The Monroes have a HO$-3$ policy $($replacement value$)$ with a $$500$ deductible, a dwelling value of $$197,000,$ an $80\%$ coinsurance requirement, and a current yearly premium of $$1,739.$ There is a $$100,000$ liability coverage per occurrence.Their House $($land has a FMV of $$20,000)$ is valued at $$225,000.$Is the homeowners insurance coverage appropriate?