$4)$ Liv just bought her first home. Even after shopping around for insurance, she finds the home insurance expensive. Liv wants to ensure that she has proper coverage but is also looking to potentially reduce her homeowner$$s insurance premium. Complete the following: If Liv $\_\_\_\_\_\_\_\_\_\_\_\_\_$ her deductible, this will $\_\_\_\_\_\_\_\_\_\_\_\_\_$ her home insurance premium.

a$)$ increases; increase

b$)$ increases; decrease

c$)$ decreases; decrease

d$)$ There is no impact on insurance premiums if Liv increases or decreases the deductible

e$)$ There is no impact on insurance premiums as the premium is solely based on the value of Liv$$s personal belongings