AMFAM Gold Star Deluxe Policy - Question

[Ram Su]

I was given a quote for AMFAM Gold Star Deluxe Policy with Plus endorsement . and also another one with Elite Endorsement.

The Plus Endorsement says - Personal Property coverage is for specific perils

The Elite Endorsement says -Personal Property coverage is for open perils

But agent says both of them are HO5 type - is that true? (I was thinking only the Open Perils coverage will fall under HO5)?

The elite package was 14% higher - is it worth spending $150 more?