After attending a free seminar in Orlando while he was on vacation, Walt became the proud owner of a time-share unit that he has a right to occupy for a full week every winter. Because his time-share involves a "right to use" arrangement, Walt
a. need not notify his insurance agent of this arrangement.
b. will need a separate homeowners policy on the time-share if his primary residence is outside Florida.
c. will probably need to have the location added to his homeowners policy.
d. will probably have adequate coverage without endorsing his homeowners policy.