$4.$ Chuck likes to build things, and over the years, he has enhanced the backyard of his modest home with the addition of a three$-$car garage, a swimming pool, a large shed, a children's playhouse, and a gazebo. Chuck has a standard homeowners policy with no endorsements. What, if anything, does Chuck need to do to obtain replacement cost coverage on his detached garage?

$($Search Chapter $1)$

a$.$ Add a Personal Property Replacement Cost Loss Settlement $($HO $0490)$ endorsement or one like it

b$.$ Add a Replacement Cost Loss Settlement for Certain Non$-$Building Structures on the Residence Premises $($HO $0443)$ endorsement or one like it

c$.$ Add an Other Structures on the Residence Premises $($HO $0448)$ endorsement or one like it

d$.$ Nothing; the homeowners policy provides replacement cost coverage on buildings.