The four$-$piece sterling silver flatware set that Elvira received as a wedding gift is insured under a scheduled personal property floater attached to her homeowners policy. The floater has a $$500$ limit$,$ and her homeowners policy has a $$500$ deductible. The silver is expected to increase in value over time, so Elvira should

$($Search Chapter $2).$

a$.$ keep the floater's limits at $$500$ and rely on her homeowners policy to cover any additional value.

b$.$ keep the floater's limits at $$500$ to avoid a premium increase.

c$.$ make sure the floater's limits continue to reflect the silver service's current value.

d$.$ make sure the floter's limits remain at least as high as her homeowners policy deductible.