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. State specific property claims disclosures.Please find your state below to view your state specific claims information. We made filing a claim online fast and easy. We'll guide you through each step along the way. Optional coverages can affect your price like Personal Property Replacement Cost or Water Backup Coverage (not always available). 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. Damage To Property Of Others. 1. One-percentage point change in the assumed healthcare cost trends rate would have the following effects: 1-Percentage. 1-Percentage. Need to log in to your Liberty Mutual account?