Dan, who is currently unemployed except for some hourly work on Saturdays in the fall, experienced a covered fire at his primary residence that is adjacent to a swamp. His feeble, aged pet gator named Timmy perished in the fire. Dan has a standard Homeowners insurance policy underwritten by an unrated insurer based in Florida. What Property coverage would apply to his pet gator? O Coverage applies on an Actual Cash Value basis. No coverage applies to the gator. Coverage applies on an Replacement Cost basis. 3