22. 222 A tendency exists for a policyholder to purchase an insufficient policy limit with respect to property insurance on a building. Why is such the case? Assuming that the policy limit is insufficient and there is a loss that is less than the policy limit, what is the consequence for the policyholder and what recourse is available to the policyholder in terms of addressing this consequence? (4 pts.) 23. Insurable interest is an important requirement in life insurance. Identify two ways that the owner can establish an insurable interest. (4 pts.)