please write answers clearly and correct for this homework. thank you

Question 39 2 pts Richard purchases a home for $350,000 and borrows $275,000 from BB&T to finance the purchase. Richard insures the home for $350,000 with a mortgage clause to BB&T. Richard develops financial problems and hires someone to burn the house down The current mortgage balance at date of the loss is $215,000. The insurance company investigates the claim and determines that Richard committed arson. Which of the following is correct regarding the settlement of the claim? No payment to Richard or to BB&T since the loos was arson Insurance Company pays $0 to Richard and $350,000 to BB&T Insurance Company pays $135,000 to Richard and $215,000 to BB&T Insurance Company pays $0 to Richard and $215,000 to BB&T Question 40 All of the following damages are covered under Section 1 of the Homeowners policy except: Roof damage from a hailstorm Water damage in the basement following a heavy rain Water damage to the interior of the home when a supply line to the washing machine ruptures Fire and smoke damage from a kitchen fire while cooking Question 41 Property under the Homeowners policy, which is subject to special limits, includes all the following Except Theft of guns Major appliances such as washing machine, refrigerator, stove Credit cards Theft of jewelry