Suppose you have a house that has a mother-in-law apartment (or what Australians call a 'granny flat') in which your granny lives. It is separate from the main house. a) Your granny has a boyfriend, and he visits all the time. Is your granny's boyfriend considered an insured under your homeowner's policy? (1 point) b) Suppose that you host your granny and her boyfriend for dinner in the main house. He's never been up to the main house before, and, while looking for the bathroom, accidentally falls down the basement stairs. Will your insurance policy pay his medical expenses? (1 point) c) Suppose that your granny wants to contribute to your household, so she tends to the garden while you're at work. A problem with the toaster oven in the granny flat starts a small fire. The insurance company claims that your granny's gardening work makes this a rental property, and denies your claim. Are they correct? Defend your argument. (2 points)