Not sure which one it is, need help with an explanation. Since it's not car related shouldn't options that include comprehensive coverage be

Not sure which one it is, need help with an explanation. Since it's not car related shouldn't options that include comprehensive coverage be excluded? This means we have to choose between b and c?

For the personal property floater, it says that it allows you to itemize your valuables which I'm not sure what it means by that.

What kind of coverage would be best for the following type of home and contents?

All wood heritage home (circa 1915)

Modest furnishings

Highly valued coin collection

Swimming pool

a)   Actual cash value, comprehensive coverage, minimum liability, personal property floater

b)   Actual cash value, basic coverage, minimum liability, umbrella policy

c)    Replacement value, broad coverage, maximum liability, personal property floater

d)   Replacement value, comprehensive coverage, maximum liability, umbrella policy