Most homeowners' policies provide named perils coverage on household contents, but—depending on the type of residence involved—there are ways to get blanket all risks coverage on an insured's unscheduled personal property if the underwriter is willing to provide it. Which one of the following is not one of these ways?

Options:
A) Purchasing a personal articles floater policy
B) Adding an endorsement to the homeowners' policy
C) Bundling with an umbrella policy
D) Choosing a lower deductible