Which of the Following Is True of Tenant's Insurance

Which of the following is true of tenant'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) It covers only your own property, not the property of your landlord.
D) Because premiums are low, most people who need it have renter's insurance.