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Are outdoor antennas, satellites, carpeting, outdoor equipment, and household appliances covered for Actual Cash Value or Replacement Cost?

April 26, 2017actual ANTENNAS appliances carpeting Covered equipment household Outdoor satellites

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Are outdoor antennas, satellites, carpeting, outdoor equipment, and household appliances covered for Actual Cash Value or Replacement Cost?

1 Answer

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On Homeowners policies, payment is made at Actual Cash Value. However, endorsement HO 490 allows payment at Replacement Cost, but subject to the loss settlement provisions of the endorsement.