The replacement cost of a home covered under the HO-3 policy, containing an 80% coinsurance clause, is $200,000. Assume the home is insured for $100,000 and a $19,000 loss occurs. How much will the insured recover if repaired? (assume $0 deductible, ignore the ACV calculation and assume there is no fraud or other unusual circumstances surrounding the loss) A. $19,000 8,$9,500 c. $11,875