Mr. Green’s 24-year old son still lives at home while attend…

Mr. Green’s 24-year old son still lives at home while attending college part-time.  The son also has an apartment near his college campus.  His stereo is stolen from the apartment.  The stereo has a $1,400 replacement cost, and an actual cash value of $900.  If there is a $200 deductible on Section I, how much will the HO‑2 contract pay for the stolen stereo?

A tornado causes the garage to collapse on Mr. Woody’s car,…

A tornado causes the garage to collapse on Mr. Woody’s car, and the damage to the car is $5,000.  Mr. Woody has a PAP with both Collision and Other than Collision coverages.  A $200 deductible applies to the Collision coverage.  There is a $0 deductible on Other than Collision coverage.  How much is paid by the PAP for the tornado damage?