David and Audrey are the named insureds in their homeowners policy, and the home's title was transferred a few years ago to a trust they established as part of their estate plan. If their home sustains property damage,

a$.$ David and Audrey are still covered because of their insurable interest in the home.

b$.$ legal precedents show that David and Audrey will be unable to recover from the insurer.

c$.$ the insurer could argue that the trust that owns the home is not an insured.

d$.$ the trust is automatically covered as an additional insured.