Last year, Thea and Rory Brown bought a home with a dwelling replacement value of $$280,000$ and insured it $($via an HO$-5$ policy$)$ for $$232,000.$ The policy reimburses for actual cash value and has a $$500$ deductible, standard limits for coverage C items, and no scheduled property. Recently, burglars broke into the house and stole a $4-$year$-$old television set with a current replacement value of $$800$ and an estimated useful life of $9$ years. They also took jewelry valued at $$1,900$ and silver flatware valued at $$3,700.$

If the Browns$$ policy has an $80\%$ co$-$insurance clause, do they have enough insurance?

Assuming a $50\%$ coverage C limit$,$ calculate how much the Brown family would receive if they filed a claim for the stolen items. Do not round intermediate calculations. Round the answer to two decimal places.

$

What advice would you give the Brown family about their homeowner's coverage?