Marsha Lansdale Purchased a Homeowner's Policy That Covers All Perils

Marsha Lansdale purchased a homeowner's policy that covers all perils except for the specifically named exclusions in the policy.Which of the following statements is (are) true about Marsha's policy?

A) The policy is a named-perils policy.
B) The policy provides higher dollar limits than most homeowner's policies.
C) The policy is an open-perils policy.
D) The policy is an open-perils policy and provides higher dollar limits than most homeowner's policies.