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.Our property and casualty insurance products are customized to fit the needs of mid-size to large Canadian companies with Canadian or multinational risks. We'll estimate the costs of repairing or replacing any personal belongings that were damaged. We'll also guide you through repair and replacement options. The Insurance Handbook is the latest addition to I.I.I.'s vast arsenal of resources, including books, brochures, newsletters and videos. Get a customized insurance quote from one of the nation's largest insurance companies for auto, home, renters, and more and only pay for what you need.