另一个选择你可能会被要求考虑的是重置成本与实际现金价值。在这里你会真的要考虑的内容。比方说,你不是一个完整的勒德分子,通过最新的房主相比,电子产品在家里非常小。你的电视几乎和你一样老,你不会错过它如果它都消失了。你也有一个便宜的音响和电脑借来使用是一个古老的笔记本电脑。所以哪个选项是正确的?要与实际现金价值意味着,如果这些物品受损,你会得到一个数量的钱相当于这些项的当前值(占折旧)。笔记本都是通过工作;你不需要更换。既然你不关心电视,你可以简单地把钱你就得到一个新的,便宜的音响。 Meanwhile, your neighbor has everything a home theater should have - a plasma TV, a surround sound speaker system, DVD player, etc. in both her living room and the family room. With that kind of equipment, she'd definitely want to consider replacement cost coverage, which pays for a new version of the item that was lost or damaged - there's no accounting for depreciation. Obviously, in the case of electronics, which can depreciate in value rapidly over time, a replacement cost policy can be a big advantage. However, this isn’t the only scenario that calls for this option. Let’s go back to your household contents. There are other types of items to consider when making this decision. For example, what about the collection of signed prints you have? And there’s also the stamp collection and those original, signed Pearl S. Buck manuscripts. Original pieces of artwork or other costly collectibles can be just as, if not more, valuable than today’s pricey electronics. Replacement cost coverage is usually 10 percent more expensive than actual cash value coverage, but under the right circumstances, it's definitely worth the extra coverage.