Rosie La Rue has just purchased a 20-year-old dwelling for $80,000. The mortgagee insists that she purchase an insurance amount at least equal to the $70,000 mortgage. Rosie protests that the lot on which the dwelling is located is worth $20,000, making the value of the house $60,000. The mortgagee is adamant. Finally, Rosie comes to you for advice. Advise her.