Andrea has a renters policy $($HO $14).$ She keeps four dogs, a guinea pig, and two cats in the home she rents. What coverage is provided for the animals under Andrea$$s policy?

a$.$ None; animals are among the types of property that the policy does not cover.

b$.$ The animals are covered at actual cash value, which includes allowances for age and condition.

c$.$ The animals are covered for replacement cost as determined by local pet shops.

d$.$ The animals are covered on a sentimental value basis as determined by the owner.