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you just filed a claim for stuff inside your home now how much are you able to get back hi im billy the owner of hoppy insurance thanks so much for your time and for wanting to learn more about your policy in this video were discussing an endorsement called personal property replacement cost this is where knowing the difference in replacement cost and actual cash value coverage is very important it could be the difference of hundreds if not thousands of dollars lets start with understanding the difference in replacement cost versus actual cash value replacement cost is the value of an item without taking depreciation into the equation what it costs to fully replace knight so in turn the actual cash value is the value of an item minus the depreciation this is based on the quality condition and of course age of your stuff lets take a tvs value for example we all know technology moves so fast these days thats why when you buy something today it can be obviously tomorrow and so this i
