Open Perils (All-Risk)

A policy that covers every cause of loss except the ones it excludes — the opposite of named perils. Broader, and usually the good stuff.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.