Frequently Asked Questions

Actual Cash Value vs Replacement Cost Value

  • ACV pays to replace or fix your home or personal things. But your insurance WILL SUBTRACT money because of age, and wear and tear (depreciation).
  • RCV pays to replace or fix your home or personal things. But your insurance WON’T SUBTRACT money because of age, and wear and tear (depreciation).
ACV Example:
  • Estimate of Damage: $175,000 - $2,000 (deductible) - $92,000 (depreciation) = $81,000 (ACV Payout)

RCV Example:
  • Estimate of Damage: $175,000 - $2,000 (deductible) = $173,000 (RCV Payout) 
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