To receive full replacement cost settlement on a partial dwelling loss under an Illinois HO-3, the insured generally must carry Coverage A equal to at least what percentage of the dwelling's full replacement cost at the time of loss?

Why this is the answer

The HO-3 replacement cost provision conditions full RCV settlement on partial losses on the insured carrying Coverage A equal to at least 80% of the dwelling's full replacement cost at the time of loss. If less, the insured receives the greater of ACV or a coinsurance-style proportional payment. The 80% figure is built into the ISO HO-3 form Illinois insurers use and is not modified by 215 ILCS 5/397.