Which coverage is provided under open perils?

The correct answer is personal articles floater, as this coverage specifically provides insurance against loss or damage to personal property resulting from any cause, except for those specifically excluded in the policy. Open perils coverage means that it covers all risks that are not explicitly excluded, offering a broader scope of protection than named perils policies, which only cover specific risks listed in the policy.

For a personal articles floater, the policy can extend to various valuable items such as jewelry, art, or collectibles, providing flexibility and extensive coverage against various unforeseen events. This type of coverage is particularly beneficial for individuals who want comprehensive protection for high-value items without worrying about the specific causes of loss that are listed in named perils plans.

In contrast, personal liability coverage typically includes protections against claims due to bodily injury or property damage but does not operate under an open perils basis. Dwelling coverage usually protects the structure of a home against specific perils and may often fall under a named perils approach. Auto insurance is similarly outlined with specific coverages and exclusions rather than a broad open perils framework. Thus, personal articles floaters stand out as the option providing open perils coverage.