Which form covers everything except for named exclusions?

The form that covers everything except for named exclusions is indeed the HO-5. This is known as a comprehensive form of homeowners insurance, which provides broader coverage than other forms. It typically covers personal property against a wide range of perils unless specifically excluded in the policy. This means that, unlike more limited forms such as the HO-2 and HO-3, which may have more restrictions and only cover specific perils, the HO-5 is designed to offer maximum protection for the insured's property and possessions.

In the context of other homeowners forms, the HO-2 is a broad form that covers specific risks, and the HO-3 is more comprehensive than HO-2 but still focuses primarily on the structure rather than personal property. The HO-6 is specifically tailored for condominium owners and covers personal property with limited structural coverage. Therefore, the distinctive aspect of the HO-5 is its all-encompassing nature, providing the most extensive coverage while clearly stating the exclusions, which is what makes it stand out among the listed options.