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Today we're going to talk about property insurance and more specifically we're going to talk about perils now what are perils are activities things like fire and lightning and windstorm and when you go to buy insurance you generally don't buy perils individually you can't go to the insurance company and say I'd like fire, but I really don't want windstorm I love smoke, but you can keep sinkhole collapse when you go to buy perils you have to buy them in packages in the world of insurance there are three different packages that you can buy they are basic broad and special now basic and broad are known as name to peril coverages so what does that mean it means if it ain't named it ain't covered so whatever happened to your stuff has to be on the list of perils if it's not on that list of perils you don't get paid in other words if it ain't named it ain't covered I know that ain't ain't a word but when you go to take the State Exam I want it to be as if I were standing next to you, I want you to hear my voice inside your head so when you think of name peril coverages just remember if it ain't named it ain't covered the burden of proof falls on you, you have to prove that whatever happened your stuff was on this list of perils and if it's not on that list of perils you don't get paid the other package they give available to you is special now special is open peril when it comes to open peril you're going to be covered for everything except what's excluded now the burden of proof falls on the insurance company they have to prove that whatever happened to your stuff was excluded if whatever happen to your stuff is not excluded then you get paid so with open peril remember that you're going to be covered for everything except what's excluded and again the burden of proof falls on the insurance company now a lot of people what they want you to do is they want you to memorize all the perils under basic, and it gives you like all of these pneumonic different things like all these flying RVs and everything like that honestly that's a load of crap why would you want to memorize that whole list and then try to memorize all the perils under broad now you're trying to memorize two different lists that take the State Exam at the end of the day what you really want to remember are the four things that are covered under broad that are not covered under basic and then what you do is you use common sense from there when you're taking the exam if they give you a peril, and it's not on the four things covered under broad that aren't covered under basic, but it sounds like something that ought to be covered like fire like lightning like windstorm then you know that basic would do the job if whatever peril they give you is on your list of four then you know that that would be broad form it would ever apparel they give you are not a list of four, but it sounds kind of unusual like a runaway circus elephant then you know that you would need special so in essence you don't...
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