1. Sally has a DP-3 policy to insure her rural dwelling and personal property. Limits for Coverages A and C are listed on her Declarations page, and she paid the appropriate premium. She purchased no additional endorsements. For each of these situations, explain whether coverage would be provide and, if so, identify the applicable coverage(s): (1 point each)
   1. Sallys toaster malfunctioned and caused a fire in her kitchen while she was working outside. Before the fire department from the neighboring city could respond, her kitchen and appliance sustained extensive damage from the fire and smoke. Silverware, dishes, $500 cash, and other items of personal property in the kitchen were destroyed. The remainder of the dwelling sustained smoke damage. Sally purchased a large, heavy tarp to cover the damaged area of her roof to avoid further damage to the property. She was forced to rent an apartment until the damage was repaired.
2. 2. An invited guest to Sallys dwelling tripped on a rug in the hallway and fell, breaking his arm.
3. 3. While Sally was at work, her dwelling was broken into and someone stole her personal computer, her television, $3,000 worth of jewelry and $1,000 in cash and bank notes.
4. 4. Sally returned from work one day to find her storm door shattered and a hole in the etced-glass window of her front door. She found a rock lying among the glass shards on her living room floor.
5. 5. One afternoon, Sallys sewer backed up while she was doing laundry because of tree roots that had grown into the drain and caused a blockage. Her basement carpet in the adjoining room was damaged by the backup of sewer water.