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.Visit libertymutual. "Injury to property. " Loss of real or personal property, including negotiable instruments, or decrease in its value, directly resulting from the crime. "Injury to property. " Loss of real or personal property, including negotiable instruments, or decrease in its value, directly resulting from the crime. The Cache River in the State of Arkansas is declared to be a nonnavigable stream within the meaning of the Constitution and laws of the United States. Coverage C Amount: The amount of coverage for personal property. Requires GSA to transfer such property to the Department at no cost.