Jerry Carter's home is currently valued, on a replacement cost basis, at $382,000. When he last checked his policy, his home was insured for $297,818 and he did not have an inflation guard endorsement. If he has a $33,762 claim due to a kitchen fire, how much will his homeowners insurance policy pay? How much would be paid if his home were already destroyed? In order to obtain full replacement coverage, how much insurance should Jerry carry on his house?