Answer : I would have Open Peril

Explanation to the above answer

Open Peril Generally provide the coverage for any reason and not Specifically excluded as against to the Named Peril Provide the coverage only for those peril listed, such as fire ,theft etc.

Here in the open peril , the burden o f proof is on insurance company whine in named peril burden of proof is on claimant, who must show the lost is caused by listed peril