person insures his house for $200,000; the house is worth $300,000 and the insurance policy does not have a "subject to average" clause in it. The house is damaged by fire and repairs will cost $180,000. The benefit which the insurer will pay the insured boat owner is: O. A. $180,000 B. $200,000 O C. $120,000 D. nothing, because the owner has "under insured" the house