Nadja has just started working with an insurer’s personal lines team. On Nadja’s first day taking calls from the insurer’s customers, she receives a call from Tom. Tom and Elsa currently have a homeowner’s policy and Tom’s call with Nadja is a notification of their imminent move from a four-bedroom house in a rural town to an apartment in the city center. They instruct Nadja to change the correspondence address on their homeowner’s policy. 

a. List at least four questions that Nadja should ask Tom about his and Elsa’s homeowners policy.

b. The risks on most homeowner insurance policies are homogeneous and conform to normal underwriting acceptance criteria. However, some risks are nonstandard and present unusual or unique features. State any five nonstandard risks that Nadja should pay attention to in the information given by Tom.