Nadja has just started working in an insurers personal lines team. On Nadjas first day taking calls from the insurers customers, she receives a call from Tom. Tom and Elsa currently have a homeowners policy and Toms call with Nadja is a notification of their imminent move from a four-bedroom house in a rural town to an apartment in the city center. They instruct Nadja to change the correspondence address on their homeowners policy.

a. List at least four questions that Nadja should ask Tom with regard to Tom and Elsas homeowners policy.

b. The risks on most homeowner insurance policies are homogeneous and conform to normal underwriting acceptance criteria. However, some risks are non-standard, and present unusual or unique features. State any five non-standard risks that Nadja should pay