The question is

$90,000 fire insurance policy posses a home in an area which, according to experience, may sustain a total loss in a given year with probability of 0.001 and a 50% loss

with probability 0.01. Ignoring all other partial losses, what premium should the insurance company charge for a yearly policy to make 10% above the break even point?

I have no clue how to start this question...

Please Help!!