$$ Antonia was a life tenant who occupied a house at $33$ Main Street. Emil had a remainder interest in the property and planned to occupy it after Antonia's death. Antonia obtained property insurance covering the house, through Richley Insurance Co$.$ The house was destroyed by fire during Antonia's life estate. Richley must pay the insurance policy proceeds to

$$ Select one:

o A$.$ Emil, because he will ultimately own the property.

o B$.$ Antonia, because life tenants can recover the entire value of the property that they insure.

o C$.$ Antonia, since she occupied the house at the time of the fire.

o D$.$ Emil, under the doctrine of equitable conversion.