Raul is in the process of purchasing homeowners insurance for his new residence. Which of the following factors may affect Raul's premium?
I. The policy form and coverage provided
II. The location of the property
III. The amount of the deductible
IV. The level of fire protection provided by the city or municipality
A) I only
B) I, II, III, and IV
C) I, II, and III
D) II and IV