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Replacement cost vs Actual Cash Value

WHAT IS ACTUAL CASH VALUE COVERAGE?

A homeowners insurance policy with actual cash value coverage typically determines value by taking the cost to replace your personal belongings and reducing that amount due to depreciation from factors such as age or wear and tear, says the

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When Should I Review My Home Insurance Coverage?

Insurance is an important part of being a homeowner. Not only does it protect you from damages caused by things like fire and vandalism, but it can also protect your personal property or additional structures like garages, and provide liability coverage.

But when is it time to review your coverages?...

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