Jerry$$ Carter's home is currently$$ valued, on a replacement cost$$ basis, at $$$$400,000.$ When he last checked his$$ policy, his home was insured for $$$$282,782$ and he did not have an inflation guard endorsement. If he has a $$$$34,148$ claim due to a kitchen$$ fire, how much will his$$ homeowner's insurance policy$$ pay? How much would be paid if his home were totally$$ destroyed? In order to obtain full replacement$$ coverage, how much insurance should Jerry carry on his$$ house?