Self-insurance is an example of which of the following risk management techniques?

Underwriting is a process of

A) selecting and marketing policies B) determining and establishing premiums C) selecting, classifying, and rating risks D) selecting, reporting, and rejecting risks"

A house has a replacement cost of $100,000. The outstanding balance of loan is $65,000. To meet the policy's coinsurance clause and mortgage requirements, the owner should carry how homeowner's insurance on the property?

A. $100,000. B. $80,000. C. $65,000. D. $50,000.