Replacement Cost refers to the cost of repairing or replacing your contents. It’s the cost of buying a brand-new version of the item that was damaged or stolen.
Actual Cash Value means you would receive what your item is worth today. So that likely would not be enough money to buy a new replacement.
That’s why Duuo offers Replacement Cost!
Replacement cost, except actual cash value on the following:
Property not usable for its original purpose.
Articles that cannot be replaced with new because of their inherent nature (fine art, antiques, paintings, etc.).
Articles for which their age or history contributes to their value (memorabilia, souvenirs, collectables).!