The marijuana plants Gail was growing in her basement were destroyed in a fire, and she included the value of those plants in her homeowners insurance claim. Gail has a $2022$ edition HO $3$ Insurance Services Office, Inc., homeowners policy. Which one of the following statements is accurate?

a$.$ Gail$$s policy does not cover these indoor plants unless they are business property.

b$.$ Gail$$s policy includes an additional coverage for trees, shrubs, and plants that cover this loss subject to a sublimit.

c$.$ Since the plants were inside Gail$$s home, they are covered as contents under Coverage C$.$

d$.$ The coverage for trees, shrubs, and other plants additional coverage specifically excludes coverage for cannabis.