Joe Has an HO-3 Policy

Joe has an HO-3 policy. He also has an unattached converted garage that he has turned into an apartment, and he rents it to a full-time college student. The apartment is destroyed by fire. What will happen with the claim according to the HO-3 contract?

A) Since fire is an excluded peril, nothing will be paid.
B) The peril of fire is not covered when it damages unattached structures.
C) There will be no payment because a rented other structure is excluded from coverage.
D) Because it was unattached, that type of property was not covered by the HO-3.