Which statements are correct with respect to a homeowners$$ insurance policy?

I. Your exposure to liability is not tied to the value of your home.

II$.$ Trees and shrubs are not usually included under $$other structures on the property$.$

III. Many policies cover personal property for their actual cash value.

IV$.$ Many insurers require that the policy cover at least $75\%$ of the full replacement value.

Question $13$Select one:

a$.$

I and II$,$ only

b$.$

I and III, only

c$.$

II and IV$,$ only

d$.$

II and III, only