What is better 80 coinsurance or 100 coinsurance?

What is better 80 coinsurance or 100 coinsurance?

Response 9: In the case of 100% coinsurance, if a property insurance limit is lower than the value of the insured property, a proportional penalty will be assessed after a loss. A typical 80% coinsurance clause leaves more leeway for undervaluation, and thus a lower chance of a penalty in a claim situation. Oct 26, 2018