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hello everyone this is Dino so today Im going to continue our discussion on the habitational insurance um we have a bunch of topics to cover here name perils fire and extended care exclusions in the basic form exclusions in the comprehensive form and then were going to look at some of the endorsement and special policies were not going to have a long discussion and the textbook doesnt have a long discussion but were just going to list them but the exclusions are very important for the exam I mean everything is important and so as always if you havent subscribed please do so uh YouTube keeps on telling me that there are thousands of views but only few of you have subscribed and I leave it to you thank you so much so listen explain the name perils this is also known as the fire and extended care and theyre pretty straightforward so lets just go through one by one and just give a little definition of each one of them so fire and lightning I mean theres nothing really to uh you kn