Final answer:
Specific peril insurance reimburses for unexpected losses or damages caused by specific hazards to a specific thing.
Step-by-step explanation:
The type of insurance that reimburses for unexpected losses or damages caused by specific hazards to a specific thing is specific peril insurance (option b).
Specific peril insurance provides coverage for specific risks or hazards named in the policy. For example, if a homeowner has specific peril insurance that includes coverage for fire damage, and their house is damaged by a fire, the insurance company will reimburse them for the cost of repairing or rebuilding their home.