Coinurance Clause Amount of insurance carried Amount of insurance required Loss Amount of recovery Insurance to Full Value Number of Buildings Value of Each Building Total Losses Partial Losses Total Losses Paid Full Total Value Pure Premium Rate Per $100 Insurance to Half Value $750,000.00 $1,000,000.00 $250,000.00 100.00% 2,500 $350,000.00 3 $350,000.00 40 $70,000.00 $100.00 50.00% Number of Buildings 2,500 Value of Each Building $350,000.00 Total Losses 3 $350,000.00 Partial Losses 40 $70,000.00 Total Losses Paid Full Total Value Pure Premium Rate Per $100 Company ABC Total Losses $100.00 Pro Rata PR% $500,000.00 $250,000.00 $250,000.00