An HO-3 Special Form homeowners policy provides coverage that is broader in some respects than the coverage of an HO-2 Broad Form. All the following statements concerning the HO-3 are correct EXCEPT Select one: a. The dwelling building is covered against loss by more perils in an HO3 than in an HO2. b. Other structures are covered against loss by more perils in an HO-3 than in an HO-2. c. The premium is higher for an HO-3 than the premium for comparable coverage in an HO-2. d. Personal property is covered on a replacement cost basis in an HO3, but it is covered for actual cash value in an HO-2