Which of the following terms indicates homeowners' insurance for which it is the obligation of the insurer to show that the loss was not excluded by a specific exemption?

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All risks coverage, also known as open perils coverage, provides coverage for any loss or damage to the insured property, except for those specifically excluded in the policy. It is the obligation of the insurer to prove that the loss was caused by an excluded peril, unlike named perils coverage or specific perils coverage, where the burden of proof rests with the insured.

Which of the Following Terms Indicates Homeowners' Insurance for Which