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.We offer car insurance, home insurance and other personal insurance through independent insurance agents. Get free auto and home insurance quotes today. Take photos or videos to document damages to your home and personal belongings. Please send us this documentation via your online account or email. I'm currently a Sr Manager of Vendor Operations for our North America Commercial Claims Shared Services team, called Claims Partner Operations. Replacement cost coverage pays to repair or replace your house and personal property at current prices. No Fee Unless We Win. Some policies pay up to the full cost to repair your roof at current prices.