Homeowners Policy (HO)Question 111 of 474
Under an open-perils (special form) policy, who has the burden of proof when a loss occurs?
a.The state insurance commissioner determines coverage
b.The insurer must prove that an exclusion applies
c.The insured must prove that a listed peril caused the loss
d.The insured must prove the loss was not the result of negligence
Explanation
Open-perils coverage reverses the presumption. All direct physical loss is covered unless the policy specifically excludes it, so the insurer carries the burden of proving an exclusion applies. This is why HO-3 and HO-5 provide broader coverage than HO-2.
Law Reference: ISO HO form open-perils policiesThis topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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