A. We For covered losses to personal property, we will pay you: 1A. The cost approach is typically based on replacement cost less depreciation for physical, functional and external.This is the fifth section of the Disaster Manual. This section is on real and personal property. 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. 411 North Frio Street San Antonio, TX 78207 Mailing Address: PO Box 830248 San Antonio, TX 78283 Customer Service: (210) 224-782832 Fax: (210) Valuable personal property insurance provides coverage for jewelry, engagement rings, cameras, watches, musical instruments and other valuables. There is a "Refund Request" form that can be filled out and submitted to one of the Reps at the counter or it can be submitted at the Link Centers. The document must be signed in the presence of any notary – no exceptions. Change Name on Property Title Deed.