Sara owns a restaurant that is insured for $300,000 under a commercial property insurance policy. The policy contains an 75 percent coinsurance clause. The restaurant sustained a $100,000 covered loss. The value of the restaurant at the time of loss is $400,000. Considering a $1,000 deductible, how much of the loss does the insurer have to pay? $26,000 $75,000 $25,000 $74,000