$5.$ Brenda Joy is an accountant in a small Kansas town. She works out of her home, which has a replacement value of $$125,000$ and an actual cash value of $$105,000.$ Brenda purchased an HO$-3$ with the following limits:

Coverage A: $$110,000,$ $$250$ deductible

Coverage E: $$300,000$

Coverage F: $$5,000$

Discuss the application of Brenda$$s HO$-3$ to the following losses.

a$.$ One of Brenda$$s clients sues her for negligent accounting advice. The lawsuit alleges damages of $$75,000.$

b$.$ A friend of Brenda$$s visits at Brenda$$s home and trips over a stack of books Brenda laid on the floor temporarily. Brenda takes the friend to the hospital, where treatment costs $$645.$

c$.$ Brenda is the star pitcher for the local softball team. Unfortunately, Brenda$$s game was off last month and she beaned an opponent. The opponent$$s attorney filed a notice of claim against Brenda, asserting damages of $$500,000.$

d$.$ Neighborhood children often run through Brenda$$s yard. Recently, a group did just that, with one child falling over a rock hidden in the grass. The child needed stitches and an overnight stay in the hospital. It is not clear if the child$$s parents will sue.