Which statement about Homeowners Package Policies is correct, given your client's situation of not wanting to insure detached private structures?

The correct statement regarding Homeowners Package Policies in the context of not wanting to insure detached private structures is that limits provided by the policy can be increased. Homeowners policies typically include various coverages with set limits for different types of property, including personal property, dwelling, and other structures. When clients indicate that they do not wish to insure certain items, such as detached private structures, an agent may have the flexibility to adjust the policy, including increasing coverage limits on other areas that the client does want to insure.

This aspect of policy modification is beneficial for clients who wish to maintain a higher level of coverage on their primary residence or other insured items, despite excluding certain parts of the property. It ensures that they have adequate protection for their primary living space and belongings according to their specific needs and preferences. Adjusting limits can provide a more tailored insurance solution, allowing for enhanced coverage where it is most needed.

The other statements do not accurately describe the nature of Homeowners Package Policies. While it may seem intuitive to think that coverages can be removed or adjusted, the overall structure of such policies generally does not allow for individual courses of coverage to be adjusted separate from the set limits. Additionally, replacement cost coverage does not universally apply to all items covered under