Steve and Kelly own a single-family home insured under an Insurance Services Office (ISO) Homeowners 3 Special Form (HO-3) policy. One evening, a fire destroys the homes living room and several adjoining rooms. The structural damage to the home because of the fire is $75,000. The familys television is damaged. Cash ($375), which Steve kept in a countertop cookie jar for food shopping trips, was also destroyed. Steve and Kelly are insured under an unendorsed HO-3 policy with a $300,000 dwelling limit and a $500 deductible. For the purposes of this case, assume that Steve and Kelly are in compliance with all policy conditions, including Coverage A replacement cost provisions. Identify the component of the HO-3 policy that would be used to determine whether coverage applies to Steve and Kelly at the time of the loss.