ABC Company insured its building on a replacement cost basis for $700,000 under a property insurance policy that included an 80 percent coinsurance clause. The building had a replacement cost of $1 million when it sustained a $40,000 loss. How much will ABC Company receive from its insurer, assuming no deductible applies? XYZ Company insured its buliding for $450,000 under a property insurance policy that included an 80 percent coinsurance clause. The building had a replacement cost of $500,000 and actual cash value of $450,000 when it sustained a $50,000 loss. How much will XYZ Company receive from its insurer, assuming no deductible applies