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insurance exam queen um i know had im still learning the youtube technology so i know i had scheduled this for a few days ago and then i thought i had deleted it but its still there so you guys are wanting to watch it okay so this video is about indemnity replacement cost and actual cash value so lets talk about indemnity here for a minute what is the goal of the insurance company the goal of the insurance company is that if our house burns down or we get a medical bill or whatever theyre going to pay for those things theyre going to take care of those things so lets just use a homeowners example to keep it easy indemnity works for all right life health property casualty whatever but homeowners will be a little bit easier to talk about so if the whole house burns down the job of the insurance company is to rebuild the house so lets say i have a three-bedroom two-bathroom basic family home and it burns down indemnity would be rebuilding me a three-bedroom two-bathroom basic fami