Which dwelling policy form should Maria choose for the broadest coverage?

Maria should choose the DP 3 dwelling policy form because it offers the broadest coverage available among the dwelling policy options. The DP 3, also known as the Special Form, provides coverage on an open peril basis for the dwelling and other structures, meaning it covers all risks of physical loss or damage except for those explicitly excluded in the policy.

This extensive coverage contrasts with the DP 1 and DP 2 forms. The DP 1 policy is a basic form that typically covers only a limited number of perils, while the DP 2 policy, though broader than the DP 1, still follows a named peril approach, covering only those risks specifically listed. The DP 3, on the other hand, covers all risks unless they are specifically excluded, giving Maria the most comprehensive protection for her property.

While a Broad Form HO policy provides significant coverage as well, it is typically designed for owner-occupied residential properties rather than rental or investment properties, which aligns more closely with the purpose of the dwelling policy forms. Thus, for someone seeking broad coverage specifically for dwelling insurance, the DP 3 is the most advantageous option.