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Which of the following is a pure risk?

A homeowner wishes to purchase coverage for a home built in 1850. The home was constructed with hand-carved crown molding and banisters. The market value of the home is significantly less than the actual cost to replace the home. Which policy would BEST suit this customer?

The HO-3 homeowners form covers perils in which of the following ways?

While making a delivery for an employee, an employee's car was struck by a truck that went through a red light. The employee suffered a broken arm. In this situation, coverage for the injuries would most likely be provided by the: