Which of the Following Characterizes a Coinsurance Clause with Regard

Which of the following characterizes a coinsurance clause with regard to property insurance?

A) It prohibits the insured from obtaining an amount of insurance which would be less than the coinsurance percentage multiplied by the fair market value of the property.
B) It encourages the insured to be more careful in preventing losses since the insured is always at least partially at risk when a loss occurs.
C) It permits the insured to receive an amount in excess of the policy amount when there has been a total loss and the insured carried the required coverage under the coinsurance clause.
D) It will result in the insured sharing in partial losses when the insured has failed to carry the required coverage under the coinsurance clause.