In the HO$-3$ policy, Section I$$Personal Property, some categories of personal property are subject to lower sublimits, called special limits of liability. Which one of the following statements best explains the reason for the sublimits?

A

Most families have few items in these categories.

B

Items within these categories usually have higher$-$than$-$average risk of loss.

C

These categories are best managed through other risk management techniques.

D

Insurers want to reduce the Coverage C personal property limit$.$