A woman has just received a very expensive piece of jewelry. The woman has homeowner's insurance. Which statement would it be most appropriate for her to make to her insurance agent?

A) "I think I need a personal property floater."

B) "I think I should get speculative risk insurance."

C) "I will deduct the cost of the jewelry from my premium."

D) "I realize that if this jewelry is stolen it will be considered vicarious liability."

Answer: A