How much will Jane recover under her property policy if her total property value is destroyed, given an 80% coinsurance clause?

In the context of an 80% coinsurance clause within a property insurance policy, the insured is required to carry insurance equal to at least 80% of the total value of their property to receive the full amount of a loss claim. This policy incentivizes property owners to insure their assets adequately and avoid underinsurance.

If Jane has a total property value of $100,000, under an 80% coinsurance clause, she must maintain at least $80,000 in insurance coverage to ensure that she can recover the full value of her loss in the event of total destruction. If she has this minimum amount insured and her entire property is destroyed, as per the coinsurance provision, she is entitled to recover the full insurable value of her property, which amounts to $100,000.

Since Jane meets the requirements of the coinsurance clause (having the necessary coverage), she will recover the full value of her property, which is $100,000. Thus, the correct answer is that she will recover $100,000.