1. As a newly graduated lawyer, Quinn Krueger was able to find a well-paying job and, as a result, could afford a large enough mortgage to buy a nice house. The mortgage company required that Quinn also purchase a homeowners policy, and so Quinn obtained an HO-3 with $95,000 on coverage A (the replacement cost value), $60,000 for coverage C, $100,000 on coverage E, and $2,000 on coverage F. How would Quinns insurer react to the following losses? Explain.
   1. Coming home late one night, Quinn accidentally drives her car into the corner of her attached garage. Damage to the garage involves repairs of $2,300. The car needs repairs costing $3,200.
   2. Quinn owns an electric guitar and likes to play it loudly. Neighbors sue Quinn for nuisance, claiming damages of $25,000 (the reduction in the value of their house).
   3. Heavy snowfall, followed by rapid melting, results in high water levels. Quinn finds herself dealing with an overflow in her basement. It causes $2,700 in damage to personal property and requires repairs of $1,700 to the basement.
   4. Thieves are not common in Quinns neighborhood, but police believe that a group of crafty criminals broke into her house. The break-in damages the doorway, requiring $685 in repairs. The thieves take a Persian rug valued at $8,300, a television worth $500, jewelry assessed at $3,000, a ipad costing $650, and silverware worth $1,200.