https://saylordotorg.github.io/text_risk-management-for-enterprises-and-individuals/s27-01-case-1-the-smith-family-insura.html

1. What provision in homeowners insurance allows John and Karen to have their home replaced at 100 percent of its value rather than 80 percent?
2. Why was the family asked to give detailed geographic information about the home when they were obtaining insurance quotes?