10/16/2026
If your TV, couch, or guitar got ruined tomorrow, would your policy pay for a new one, or just what it's worth today?
Replacement cost pays to replace your things with new. Actual cash value takes depreciation off first, so the check can be a lot smaller than you'd expect.
It's one line on your policy and most people have never looked. Send us a message and we'll tell you which one you have.