If an Insured Has Fully Insured the Property with Two

If an insured has fully insured the property with two different insurers:

A) The insurer with which the policy was first taken out must cover the claim.
B) The insurer with which the policy was last taken out must cover the claim.
C) The insurer must make an election as to which insurer to bring the claim with and that insurer can seek a pro rata contribution from the other insurer.
D) The insured can recover the full amount of the loss from both insurers.