We'll pay the replacement cost for items at the time of loss, then up to the full amount of the cost in today's market in the event of a covered loss. With Personal Property Coverage, you'll receive the actual cash value of covered personal property that needs to be replaced due to a covered loss.A household inventory can also help you determine how much insurance you need to cover your possessions. Your coverage should always equal what it would cost to. The Insurance Handbook is the latest addition to I.I.I.'s vast arsenal of resources, including books, brochures, newsletters and videos. In general, tangible personal property is a moveable item that is real, material, substantive, and not permanently affixed to any real property. Quincy Mutual Group. Prevent either spouse from restraining the personal liberty of the other spouse;. 11. Revised the coverage base rates for dwelling rental, dwelling seasonal, personal property rental, and personal property seasonal. Texasbased American National Group is set to stop offering homeowners' insurance in the California market and eight other states due to ongoing losses.