Serena purchased a home for $220,000, insuring it for $120,000 with Falcon Insurance. She later purchased a $60,000 policy from Devon Life. The home was totally destroyed by fire six months later. Under these circumstances, which of the following statements is true?
A. Serena cannot recover $180,000-the total of both policies.
B. She cannot claim insurance from either as policies with pro rata clauses cover only partial losses.
C. Serena cannot claim more than $60,000 from Devon Life.
D. Serena can claim the entire damages, $220,000, only from Falcon Insurance as its policy amount is greater.
Answer: C
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