You have a standard HO-3 with one endorsement, replacement cost personal property endorsement. The policy has the following coverages and limits of insurance. Coverage A: $200,000 Coverage B: $20,000 Coverage C: $100,000 Coverage D: $10,000 Coverage E: $500,000 per occurrence Coverage F: $5,000 per person. A riot occurs in a nearby shopping center and you are prohibited from living in your house for ninety days (3 months). You incur hotel bills of $100/night and additional living expenses of $3000/month. How much will your homeowner policy pay?

• A. $0
• B. $10,000
• C. $12,000
• D. $18,000

I. In an insurance contract, the insured's consideration is payment of the premium plus an agreement to abide by the conditions in the policy. II. In the case of an insurance contract, only the insurer makes a legally enforceable promise to pay a claim or provide other services to the insured.

• A. I is true and II is true
• B. I is true and II is false
• C. I is false and II is true
• D. I is false and II is false