A truck mechanic, Phil is required to furnish his own tools. He keeps them in a tool chest in his pickup truck, which is parked in his home garage overnight. Phil is concerned that these tools might be stolen from his garage, and it would cost him at least $5,000 to replace them. Phil's standard homeowners policy

• a. can be endorsed to provide the $5,000 limits on business personal property that Phil apparently needs.
• b. provides adequate coverage for damage to his tools by other perils but imposes a $1,000 sublimit on theft.
• c. provides adequate coverage for this exposure.
• d. provides no coverage for business personal property at Phil's residence premises.