PROPERTY INSURANCE! please help

Which one of the following is a prepackaged policy of property and liability coverages designed specifically for certain types of small businesse A) Umbrella policy B) Businessowners policy C) Commercial package policy D) Difference in conditions policy When an insured is restored to the same financial condition as before the loss, this is an example of A) principle of indemnity B) reduction of adverse selection c) law of large numbers D) reduction of risk Which of the following lines of insurance cannot be included in the commercial package policy? A) Commercial crime B) Commercial property C) Commercial general liability D) Workers' compensation An individual who rents an apartment can obtain broad coverage for personal property in the apartment under which homeowners torm? A) HO5 B) HO6 C) HO4 D) HO2 When must an insurable interest exist in a property policy? A) At the time of policy delivery B) At the time the first premium is paid C) At the time of the application and at the time of a loss D) At the time of the application Under the Commercial Property coverage part, the Causes of Loss-Basic Form insures against A) earthquake only B) a list of basic named perils only C) all risks of direct physical loss unless specifically excluded D) a list of basic named perils and additional perils Because Luis's house is near a mer that has been known to overflow its banks: he is more concemed about having flood insurance than his soter Marta, who ives at the top of a hill. This is an exampie of A) estoppel B) adverse selection c) parol evidence D) consideration Which of the following statements regarding homeowners additional coverage is CORRECT? A) The maximum limit for a loss S5sessment by a homeowners association is $500 B) The property removed coverage protects the property from all covered perils for 60 days. C) A deductible applies to the fire department service charge D) The maximum limit for any one tree, shrub or plant is $500. Assume the following items were stolen from the insured's home. Which one of these losses would be fully covered under Coverage C of the homeowners policy. assuming the loss was for the full value of the property described? A) A.51,500 emeraid bracelet. B) A canoe valued at $2.000 C) 5500 in cash D) A $3.000 mink stole