Your home is most likely your biggest investment, so it’s important to make sure it is insured properly. Your personal property (clothing, furniture, and other items) are also insured on your policy. We prefer to write policies that provide full replacement cost of your contents. Policies that provide actual cash value take depreciation into effect, which means you have to pay the difference to replace your property. This is a low cost endorsement that can save you thousands in the event of a loss.