9. What is Personal Injury Liability Coverage, and why should a homeowner purchase this option? 10. You have coverage on your HO-3 Policy: Dwelling - $300,000, with standard breakdown and a deductible of $500. There are no special endorsements. Replacement cost of dwelling is also $300,000. Personal Liability - $300,000 and no special endorsements How much will be paid for the following: a. How much would your company pay for a windstorm which caused your roof to blow off your dwelling, and it will cost $15,000. To replace the roof. b. Your riding lawn mower has an actual cash value of $1,500 and a replacement cost of $4,000. It is stolen from your back yard. c. You are on vacation; and your luggage, with an actual cash value of $1,000., Is stolen from your hotel room d. Your dog bites a neighbor on the neighbor's property, and the neighbor sues you for $25,000. e. An earthquake cracks your home's foundation, and it will cost $50,000 to make repairs. f. Your friend allows you to borrow his 600-horsepower performance boat. You loose control of the boat and it runs into a landing dock, doing $100,000 in damages. Your friends boat policy had been cancelled two weeks ago