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  All condo insurance policies are not alike. They pay varying amounts of coverage to replace your unit's wall coverings, flooring, light fixtures, carpeting and personal belongings.

The 2 most common levels of coverage are:

  1. Actual Cash Value
    Your house or property is covered for the depreciated amount, based on the actual value at the time of loss.
  2. Replacement Cost
    The contents of your condo are covered up to the amount that it would cost to replace your belongings with items of like kind and quality.


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Last modified: January 12, 2004