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. (4) We will pay no more than the actual cash value of the damage until actual repair or replacement is complete. Once actual repair or replacement is. We made filing a claim online fast and easy. We'll guide you through each step along the way. The Nevada Division of Insurance offers on this Web page free, downloadable copies of home insurance policy forms and mandatory amendatory endorsements. 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. Optional coverages can affect your price like Personal Property Replacement Cost or Water Backup Coverage (not always available).
