To collect full replacement cost on partial dwelling losses under a NJ HO-3, the insured must typically carry Coverage A equal to at least what percentage of full replacement cost at the time of loss?

Why this is the answer

The NJ HO-3 conditions full replacement cost recovery on partial dwelling losses on the insured carrying Coverage A equal to at least 80% of the dwelling's replacement cost at the time of loss. Below that threshold a proportional ACV-style penalty applies.