need help asap Sue, a client, wants to know why her premium went up on her home policy as she has had no claims in the past 10years. What is the most appropriate explanation for the rate increase?OA) Rate increases are caused by many factors such as the price of lumber and increases in labour.OB) The insurance company took a general rate increase, everybody's insurance rates has increased.OC) Real estate prices on houses have increased.OD) Rating factors are a very complicated matter. In comparison to other companies, the client is still getting a vecompetitive premium. Sheila has a homeowners insurance policy including sewer back-up, overland water extension, and an anti-concurrentclause. Following a heavy rainfall, water entered her basement window wells, and there was a sewer backup into thebasement. Will Sheila's claim be covered and which coverage will apply?OA) If it is determined that water entered the window wells first then only overland water coverage will apply asthere is a an anti-concurrent clause on the policy.OB) If it is determined that water entered through the sewers then sewer back up coverage will apply only asthere is an anti-concurrent clause on the policy.OC) Since Sheila's policy covers both sewer back up and overland, the entire damage to the basement will becovered.OD) The entire claim would be denied as there is no ground water or surface water extension on Sheila's policy.

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