Which coverage provides direct physical loss for personal property regardless of specific exclusions?

The most suitable coverage for direct physical loss of personal property, without being limited by specific exclusions, is known as Comprehensive Form. This type of coverage is characterized by its ability to protect against a wide range of risks, covering all perils except those specifically excluded in the policy.

Comprehensive Form goes beyond the more narrowly defined coverages offered by other forms. For example, the Basic Form typically covers only a limited number of specified perils, while the Broad Form includes a few more risks but still doesn't cover everything. The Special Form provides coverage for all risks except those expressly excluded but may still have certain limitations.

In summary, Comprehensive Form's expansive nature makes it the best choice for providing broad protection against direct physical loss of personal property, as it covers virtually all risks not explicitly listed as exclusions. This is why it is regarded as the ideal option in this context.