please need answer for both questions.

thanks.

22. The primary difference in property forms relates to (a) risks, but certain other differences also exist. (b) perils, but certain other differences also exist. (c) hazards, but certain other differences also exist. (d) none of the above 23. Under the Homeowners which property form covers all perils except those limited or excluded? (a) Basic (b) Broad (c) Comprehensive (d) Modified