You might have read that one of your statutory conditions is regarding misrepresentation, which of the following statements is correct?
a. Withholding information about previous cancellations or refusals of insurance is OK
b. Statements made by the applicant which leads the insurer to believe a risk is better than it actually is not OK
c. Any description of the property that is incorrect as long as it is small will not change coverage
d. Statements made by the applicant which leads the insurer to believe a risk is worse than it actually is not OK