The Swails have an 80 Percent co-insurance policy on their $100,000home. Explain what this means. If they have an 80 Percent co-insurance clause, a policy for $80,000, and suffer a covered loss of$40,000, how much will the insurer pay? If they have an 80 percent co-insurance clause, a $60,000 policy, and suffer a loss of 25% of their property, how much will the insurer pay?