The coinsurance clause in a property contract:

a. Establishes sublimits of indemnification for certain types of personal property

b. May prevent you from being indemnified for the full amount of the loss if you have insured the property for substantially less than its true value

c. Dictates that losses are shared between insurer and insured according to fixed percentages, regardless of the insurance carried on the property in relation to its true value

d. Is not applicable if the contract contains a deductible