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Which of the following statements regarding homeowner insurance (is)are correct? 1. The homeowner typically buys an amount of coverage equat to the originat cost of the dwelling and in some cases will be required to carry even more if the property is mortgaged. II. For the purposes of homeowners insurance, replacement cost is the original cost of the dwelling. Ionly II only Both I and II Neither Inor II Intentionally fail to lock the house because of the existence of insurance is an example of a moral hazard morale hazard speculative hazard physical hazard Which of the following statements regarding homeowner insurance (is)are correct? 1. The homeowner typically buys an amount of coverage equat to the originat cost of the dwelling and in some cases will be required to carry even more if the property is mortgaged. II. For the purposes of homeowners insurance, replacement cost is the original cost of the dwelling. Ionly II only Both I and II Neither Inor II Intentionally fail to lock the house because of the existence of insurance is an example of a moral hazard morale hazard speculative hazard physical hazard