题目选项分析

Unlike the premiums for auto insurance, the premiums for personal property coverage are not affected by the frequency of claims, but if the insurance company is able to prove excessive loss due to owner negligence, it may decline to renew the policy.

Unlike auto insurance, the frequency of claims does not affect the premiums for personal property coverage, but if the insurance company is able to prove excessive loss due to owner negligence, it may decline to renew the policy.