What amount can Emma's mortgage lender recoup after her insurance policy is voided?

When an insurance policy is voided, it generally means that the coverage it provided is no longer in effect, and any claim for damages would not be paid. In the context of a mortgage lender like Emma's, if her insurance policy is voided, they would typically want to recoup the total amount left on the loan since they face greater financial risk without the protection the insurance provided.

In this case, the lender's interest is to recover the entire balance of the loan, which is $155,000. This is because the lender holds a secured interest in the property and relies on insurance to mitigate their risk. If a property is damaged or the borrower defaults, the lender needs to ensure they can recover their investment fully.

Other options suggest partial recovery, either based on a portion of the loan or the amount of the loss, which may not align with the lender's rights to collect the full loan amount after voiding the policy. Hence, the most logical and direct answer is that the lender can seek the total remaining balance on the loan.