Carmella Estevez has a homeowner's insurance policy with $125,000 of liability insurance. She is concerned about the risk of lawsuits because her property borders a neighborhood park. What can she do to increase her liability coverage? How much will Carmella's yearly premiums change as a result of increasing her liability coverage?
A) She can purchase an umbrella insurance policy. The premiums will increase significantly.
B) She can purchase an umbrella insurance policy. The premiums will increase slightly.
C) She can add a personal articles floater to her policy. The premiums will increase significantly.
D) She can add a personal articles floater to her policy. The premiums will increase slightly.