Please answer the following with work as well

4. Assume that you have limits of 15/25/15 ($15,000/$25,000/$15,000), the minimum required in the state where your car is garaged. If you are driving in a state that requires 25/50/20 ($25,000/$50,000/$20,000) and are involved in an accident, your insurer will interpret your policy as if it had the higher limits. Thus, even though you have to meet only the requirements where you live, your policy will provide the limits you need in any state or province in which you may be driving. Identify the provision in your automobile insurance policy that makes this possible 5. Mary's house catches on fire. $50,000 of her jewelry is destroyed by the fire. What is the maximum amount her standard unendorsed HO-3 policy will pay for this loss? Why? What advise would you give her