27. It would cost about $10,000 to replace the grand piano in Gloria's home, and Gloria's insurance agent recommends she specifically insure the piano under a scheduled personal property endorsement. Gloria resists what seems to be a sales pitch and asks what coverage this would provide that her homeowners HO3 policy does not already provide. Which of the following answers would be appropriate? (Search Chapter 2) a. The endorsement merely specifies that the piano is covered property, and it would not increase her premium. b. The endorsement would add theft coverage, and her homeowners policy excludes theft coverage on musical instruments. c. The endorsement would cover more causes of loss than her homeowners policy. d. The endorsement would provide replacement cost coverage, whereas her homeowners policy provides actual cash value coverage. 28. Which one of the following classes of personal property is not subject to a sublimit in a homeowners policy? (Search Chapter 2). a. Cash b. Firearms c. Musical instruments d. Property used primarily for business 29. Nettie's boa constrictor is kept in a specially built enclosure in her family room. As the owner of an exotic pet, Nettie would be well-advised to take all the following risk management measures EXCEPT: a. carefully read her homeowners policy to make sure no liability exclusions apply. b. have her pet declawed. c. make sure her pet's enclosure is sound and has sturdy locks. d. never permit children to play with her pet