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my phone though okay oh okay okay all right but dont hesitate to ask any questions i promise um but if theres too much background noise my brain gets all squirrely yeah all right okay so lets talk about homeowners okay so homeowners the first thing we want to know is that if it is a even number an even number which means a 2 a 4 a 6 or an 8 it is named peril named peril and if it is and well talk about what all this means if it is a odd number like a one oh not a one we dont have a one let me erase that we do on dwelling but not on homeowners like a three or a five it is open apparel okay do you remember the difference between named and opened oh i made you mute yes ask your questions open was everything except what is that yes yeah okay you watch my other movie yes okay all right so open peril is anything not um itll cover anything not excluded where named has to be listed so if you have a named peril policy if you have a two of four or six or eight itll say youre covered for