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Amber has a Homeowners 3 policy. The dwelling is insured for $80,000 and the replacement cost of the home is $100,000. Amber has $100,000 for...

Amber has a Homeowners 3 policy. The dwelling is insured for $80,000 and the replacement cost of the home is $100,000. Amber has $100,000 for Coverage E and $5,000 for Coverage F. Indicate whether or not each of the following losses is covered. If possible, determine the dollar amount of the loss that will be covered by Amber's insurance policy. Clearly identify what section of the policy is controlling and why the event is either covered or not covered.

Amber falls asleep while smoking a cigarette in a rented hotel room. Damage to the room is $2,800. While on this same vacation, Amber's dog bites a child while her neighbor, Ed, is walking Amber's dog. Ed is sued and is required to pay $8,000.

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