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hey guys on todays coverage with Crowley were gonna talk about what the difference between replacement costs and actual cash value is on your homeowners so one of the most graped about things that we hear all the time is when we run quotes for homeowners and they see the coverage limits or current clients see their current coverage limits on their house we get the phone call that says hey my house is not worth 350,000 its only assessed for a hundred and fifty why do I have so much coverage homeowners insurance policies are based off of replacement costs or at least should be based off replacement cost coverage and what that means is if there is a total loss how much would it cost and insurance company to pay you to rebuild that house the same way at the current days construction prices hi guys Im Mike Crowley owner to crown the insurance agency most insurance carriers require you to have full replacement costs on your homeowners and also some other property that you may own whethe