One commonly-used homeowner's policy provides open-peril coverage on the dwelling and named-peril coverage on the insured's personal property. Assuming you purchased this policy, which of the following statements is (are) true? (Check all that apply.) If the insurer wants to deny your claim for damage to your personal property, the insurer must prove that the loss was caused by a peril not listed in the policy If you want the insurer to pay for damage to your dwelling, you must prove that the loss was not excluded in the policy. If you want the insurer to pay for damage to your personal property, you must prove that the damage was caused by a peril listed in the policy. Damage to both the dwelling and your personal property will be covered only if caused by a peril listed in the policy. If the insurer wants to deny your claim for damage to your dwelling, the insurer must prove that the loss was excluded in the policy