用户张某在2006年8月购买了一台M公司价值5000元的电热水器，该用户按照说明书的要求使用不到两个月，一次因热水器漏电造成张某在洗澡中意外身亡，热水器也损坏了。张某家人向M公司要求退还热水器原价款并承担张某死亡责任。M公司曾向甲保险公司投保了产品质量保证保险，保证期限自2006年1月1日至2006年12月31日止。此外，张某所在单位曾集体向乙人寿保险公司投保了意外伤害保险，保险期限自2006年6月1日至2007年5月31日止，每人保险金额为200000元。根据以上资料，回答下列问题：
保险公司负张某购买的热水器的损失赔偿责任，保险人应赔偿（）元。
A.5000
B.20000
C.205000
D.206000
参考答案：A
| Directions: For each blank in the following passage there are four words or phrases marked A, B, C and D. Fill in each blank with the word or phrase that best fits the context. | ||||
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