The diagram shows the layout of the township
playground. The playground committee is ordering
rubber mulch to cover the playground surface.
40 ft
25
20 ft
18 ft

Not really sure what you mean by 'expected value per claim' 

plan a 
cust cost = 3000 ded + 750 premium = $3750
acasa cost = 6500 claim -3000 cust ded -$750 cust premium = $2750 cost to acasa.

plan b
cust cost = 1000 ded + 1200 premium = $2200
acasa cost = 6500 claim - 1000 cust ded - 1200 cust premium = $4300 cost to acasa.

hope this .