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. We'll share an estimate for the cost of repairing or replacing your damaged property.Then, we can help you get repairs scheduled and started. State specific property claims disclosures. Please find your state below to view your state specific claims information. 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. Manage your account. Get an overview of your policy and bill, access a complete history of your documents, review your coverage, and much more. We offer car insurance, home insurance and other personal insurance through independent insurance agents. Get free auto and home insurance quotes today.