Susan is the owner of a 2-year-old home, and is looking to buy a homeowner's insurance policy. She is primarily concerned with protection from standard property dameging perils that she has no way of preventing, such as those due to fire, vandalism, windstormis, and so on, and less concerned about those that she feels she can prevent through frequent maintenance (such as demage caused by malfunctioning of internal structures ike air conditioning or plumbing). Based on the peril coverage it offers, ahe purchases an HO-3 insurance polcy. Her home has a replacement value of $500,000, therefore she insures her home for the minimum legal requirement of S she does not purchase any odditional coverage beyond the legal minimums, complete the follovdng table indicating the maximum dollar value of Assuming reimbursement she con receive for each of the following: Damage to personal property: Medical payments to others: Loss of Use (Additional living expenses): Comprebensive personal liability: Insuring While Away at College Susan's son, Raphael, is a college student living ina campus dormitory. He drives a car that she parks on the street and wants to make sure the full value is insured. Which of the following statements regarding Raphael's insurance needs are true? Check all that apply. O His property is covered up to 10% of the coverage on the home O Rephael should purchase an HO-4 broad form insurance policy because he is not covered under his parents' policy. O He should tell the insurance agency that he parks in a garage to save money on premiums