4. Megan has her home and personal property insured under an unendorsed Homeowners 3 (special form) policy. Indicate whether each of the following losses is covered. If the loss is not covered, explain why it is not covered.

I. Megan's son, age 20, is attending college but is home for Christmas. A stereo set is stolen from his dormitory room during his absence.

J During the winter, heavy snow damages part of the front lawn, and the sod must be replaced.