The Coinsurance Clause

The coinsurance clause:

A) requires the insured to insure the property to at least 80 percent of its fair market value in order to fully recover the value of partial losses.
B) usually allows the insured to recover the difference between the limits stated in the policy and the fair market value of the property.
C) places no restriction on the individual's right to recovery.
D) requires the insured to pay up to a certain amount each year before the insurer's payment obligation begins.