Which type of policy would be similar to homeowners insurance combined with a personal property floater?

The type of policy that would be similar to homeowners insurance combined with a personal property floater is an HO3 with an endorsement.

An HO3 policy, commonly known as a special form homeowners policy, provides coverage for a variety of risks associated with both the dwelling and personal property. The basic HO3 form offers broad protection for the structure itself while including personal property coverage, which can be enhanced through endorsements. These endorsements allow the policyholder to add specific coverages, similar to a personal property floater, which provides additional protection for personal belongings both inside and outside the home.

This combination effectively mirrors what a homeowners policy with a personal property floater would offer, delivering comprehensive protection tailored to the insured's needs. It addresses not just the physical home but also extends coverage to personal items wherever they may be located, ensuring adequate safety against loss or damage.

Other options do not provide this specific combination: renters insurance primarily covers personal property but does not include coverage for the dwelling since tenants do not own the structure. Commercial property insurance applies to business properties rather than personal residences. Liability coverage policies focus specifically on protecting against claims of injury or damage to others rather than offering coverage for property itself.