When Chuck and Dot Baker sold their house to the Berkshire family on April $1,$ the Bakers did not bother to cancel their homeowners policy that would expire anyway on April $30.$ April $15,$ when the house burned to the ground, the Berkshires, who paid cash for the house and did not have a mortgage, had no insurance of their own. Should the Bakers' insurer pay for this loss?

a$.$ No; the Bakers had no insurable interest in the house at the time of the loss.

b$.$ Yes; the omnibus clause in a homeowners policy extends coverage to any party with an insurable interest in the property described in the declarations.

c$.$ Yes; the Bakers had an insurable interest in the house when they bought the insurance, and the policy is still in force.

d$.$ Yes; the Bakers paid a premium for coverage until April $30.$