An insured carries a limit of $450,000 on the dwelling building insured under the Homeowners Basic Form. The Insured rents a basement apartment (for which the insured receives $1500 per month) and has a detached garage. A major fire occurs and the insured submits the following claim: Dwelling $450,000 Detached garage $50,000 Loss of six months rental income Debris removal $30,000 (a) What amounts will the insurer pay? (b) Give policy substantiations for your answers