An insured purchases a small sailboat. After the purchase, the insured calls her agent and asks if the boat is covered under her homeowners policy. The agent informs her that because the sailboat does not have a motor, it is covered under her homeowners policy. Several months later the insured is sailing her boat on a lake and collides with another watercraft. This causes her to incur liability for the damage to the other vessel. When she files a claim under her homeowners policy the insurer refuses to pay because her sailboat exceeds a particular hull length that was specified in her policy (a limitation which the agent had not mentioned or inquired about). If the insured disputes the insurer's denial of the claim, what is the correct result according to the doctrine of estoppel?

Select one:

a.The specifications of the policy control, so her claim will be denied.

b.The agent provided misinformation, and the insured relied on that information, so her claim should be covered.

c.The claim should be covered because the insured informed the owner of the other vessel that she was covered for the loss, and did so in good faith.

d.The claim should be covered if the applicable Coast Guard regulations require liability insurance on the insured's vessel.