A: Covered losses under a homeowners policy can be paid on either an actual cash value basis or on a replacement cost basis. When “actual cash value” is used, the policyholder is entitled to the depreciated value of the damaged property. Under the “replacement cost” coverage, the policyholder is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices. Usually insurance companies require proof of replacement before paying full repla
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Some American states have made medical underwriting illegal as a prerequisite for health coverage, means anyone who asks for health insurance and pays for it will get it. States that have outlawed medical underwriting include , , , , and , which also have the highest premiums for individual health insurance.
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