Malik purchased $$200,000$ of coverage on his $$425,000$ home in an effort to cut costs. An electrical fire eaused $$60,000$ in damages to his home. His insurance company would not pay for the entire amount of damages, even though the $$60,000$ was much less than Malik's $$200,000$ of coverage, because his insurance policy had which of the following?

Principle of indemnity

Right of subrogation

Umbrella clause

Other$-$insurance clause

Co$-$insurance provision