Tim navholtz needs a $20,000 renters insurance policy and has selected the $1,000,000 liability with $1,000 deductible. The insurance company has determined his credit is excellent and has given him the good credit rate. If he adds an endorsement of $0.85/$100 to ensure $12,000 of jewelry, $20/ year for the options of identity theft/ protection and $75/year for sewer/sump pump backup protection for his basement