“Covered or Not?” (Named vs Open Perils)

🎤 “Covered or Not?” (Named vs Open Perils) Intro (game show announcer) 🎺 Showtime! Welcome contestants To the ultimate insurance challenge! Tonight’s question: Is it covered… or not? ⸻ Verse 1 Lightning strikes the rooftop beam Windstorm tears the window screen Fire dancing through the night The policy decides the fight But wait a second — read the page Coverage plays a different game Two different rules can run the show Let’s spin the wheel and see who knows! ⸻ Pre-Chorus Step right up, take a guess What does the policy address? ⸻ Chorus (big game-show chant) Named Perils! On the list! Only what the policy picked If it’s written, it’s allowed If not listed — not covered now! Open Perils! Wider view! Everything is covered for you Unless exclusions say “no way” That’s the rule they follow today! ⸻ Verse 2 A pipe could burst, a roof could fall A falling branch might crack the wall Named peril policies stay tight Only covered if it’s in sight But open peril plays it wide Almost everything inside Unless exclusions close the gate Then the policy won’t compensate ⸻ Bridge (quiz show moment) Question time! If the loss isn’t on the list… Named peril says? (Not covered!) If everything’s covered except exclusions… Open peril says? (Covered!) ⸻ Final Chorus Named Perils — check the list Only the dangers that exist Open Perils — broad protection Except what’s banned by exclusion section! Spin the wheel and now you know How these coverage systems go! ⸻ Outro (announcer) Congratulations contestants! You’ve mastered Named vs Open Perils. Tune in next time… for another thrilling coverage question!