Michelle Had Four Matching End Tables in Her Home

Michelle had four matching end tables in her home.A fire damaged the home,destroying two of the end tables.Michelle's home was covered by an unendorsed Homeowners 3 policy.Which of the following is true with regard to the settlement for the end tables in this case?

A) Loss to a pair or set is excluded under the policy.
B) The insurer can elect to pay the difference in actual cash value of the property before and after the loss.
C) The insurer will pay double the replacement cost of any partial loss.
D) If a partial loss to a pair or set occurs,the insurer is liable for replacement of the entire pair or set.