$31.$ A contractor is constructing a free$-$standing garage behind Ernie's home at a cost of $\backslash (\backslash$$ $35,000\backslash ).$ The garage will house Ernie's cars which are currently parked outdoors. There are no other outbuildings on the property. Ernie's home is insured under a homeowners policy for its full insurable value of $\backslash$$$400,000.$ What, if anything, does Ernie need to do to ensure that he has full coverage for both his home and his garage?

a$.$ Add an "other structures" endorsement to his homeowners policy

b$.$ Increase the limits on his homeowners policy to $\backslash (\backslash$$ $435,000\backslash )$ to include the value of the garage

c$.$ List the garage in the declarations of his homeowners policy

d$.$ Nothing; his current homeowners policy automatically includes $\backslash (\backslash$$ $40,000\backslash )$ coverage on the garage.