Lance rents a townhouse that is insured with an HO $4$ renters policy. Lance is driving his car when he causes a minor accident. What coverage is available for the vehicle under his policy?

a$.$ Coverage is available under an HO $4$ endorsed with the motor vehicle liability endorsement.

b$.$ Coverage is available under an unendorsed HO $4$ for limits determined by rating factors.

c$.$ Coverage for liability only is available under the HO $4.$

d$.$ None; motor vehicle liability is excluded under the HO $4.$