Which personal insurance policy covers, without endorsement, both personal property and personal liability coverages?

The homeowner policy is designed to provide comprehensive coverage for both personal property and personal liability without the need for additional endorsements. This policy typically combines various types of coverage, including protection for the structure of the home, personal belongings within the home, and liability coverage in case someone is injured on the property or due to the homeowner's actions.

In contrast, the DP-3 form (which refers to a dwelling policy) primarily covers property but may not automatically include liability coverage unless specifically added. The personal articles floater focuses on covering specific high-value items and does not inherently include liability protection. Similarly, the personal property floater primarily covers personal belongings but lacks the liability aspect unless addressed separately. Thus, the homeowner policy stands out as the most encompassing option for individuals seeking both types of coverage without requiring further adjustments.