It would cost about $$10,000$ to replace the grand piano in Gloria's home, and Gloria's insurance agent recommends she specifically insure the piano under a scheduled personal property endorsement. Gloria resists what seems to be a sales pitch and asks what coverage this would provide that her homeowners $H{O}_3$ policy does not already provide. Which of the following answers would be appropriate?

a$.$ The endorsement merely specifies that the piano is covered property, and it would not increase her premium.

b$.$ The endorsement would add theft coverage, and her homeowners policy excludes theft coverage on musical instruments.

c$.$ The endorsement would cover more causes of loss than her homeowners policy.

d$.$ The endorsement would provide replacement cost coverage, whereas her homeowners policy provides actual cash value coverage.