1. Jones owns a vicious German shepherd. The dogbites a mail carrier about three blocks away from Jones'spremises. Discuss fully the coverage under Section II ofthe Homeowners Policy for this occurrence.

2. Afriend,explaininghispositionwithrespecttoliability insurance, states, "I don't feel I need the high limits ofliability because I don't make that much money. If I werea doctor or a lawyer, I would carry higher limits of liability coverage, but since I am not, the $100,000 minimumincluded in my homeowners policy is enough." Do youagree or disagree? Why?