Your client suffered a theft loss to an original artist oil painting insured for $25,000 on an HO 04 61 Scheduled Personal Property Endorsement. The insurance company found a replica for $5,000. The maximum loss settlement will be which one of the following? a. $25,000 the Fine Arts limit shown on the schedule is considered agreed value b. $24,500-the original cost, less $500 depreciation 0 c. $10,000-the advertised price at an art show d. $5,000-the lowest cost at which the insurance company can replace