1. Which of the following situations would be covered under the (Coverage E) personal liability portion of Section II of a homeowner’s policy?
I. The insured is sued by his landlord for water damage to the insured’s apartment.
II. The insured is sued after a friend suffered injury from using cocaine the insured sold him.
A. I only
B. II only
C. Both I and II
D. Neither I nor II
2. Do you think you need a long-term care policy? Why or why not?