From the perspective of Declarer's hand, how many losers do you have in a heart contract (no lead given).
5: 2 spades, 1 hearts, 2 diamond, and 0 clubs. You can finesse in spades, hearts, and clubs, and you will have to! The only way to avoid two diamond losers is to hope that you can find one of the opponents with ace-doubleton, but even then you have to guess which one. It's better to try guessing in clubs which will give you a discard later.