Which of the Following Is True of Renter's Insurance

Which of the following is true of renter's insurance?

A) You only need to buy it if you have possessions of considerable value.
B) It will not cover your liability if a picture falls off the wall and injures a guest in your apartment.
C) Your renter's insurance covers only your own property, not the property of your landlord.
D) Because premiums are small, most people who need it have renter's insurance.