18. Although still married, Tom and Kat are legally separated. Tom insured their vacation home for $200,000. Unaware that Tom purchased coverage, Kat insured their vacation home for $300,000. When both policies were in force, a $90,000 covered loss occurred. How will the loss be settled if a pro rata other insurance clause is used? A. Tom's insurer will pay $90,000 and Kat's insurer will pay so. B. Tom's insurer will pay SO and Kat's insurer will pay $90,000. C. Tom's insurer will pay $36,000 and Kat's insurer will pay $54,000. D. Tom's insurer will pay $54,000 and Kat's insurer will pay $36,000