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. Having photos, receipts, or manuals for the items will help us estimate the cost of repairing or replacing them.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. To process a claim for your personal property, a detailed list of damaged or lost items will need to be submitted. We made filing a claim online fast and easy. We'll guide you through each step along the way. We'll estimate the costs of repairing or replacing any personal belongings that were damaged. We'll also guide you through repair and replacement options. State specific property claims disclosures. Please find your state below to view your state specific claims information.