Replacement Cost vs ACV Calculator
Compare claim payouts under replacement cost value (RCV) and actual cash value (ACV) insurance policies.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Replacement Cost Payout
$9,000.00
Actual Cash Value Payout
$4,000.00
Inputs
Comparison
RCV Advantage
$5,000.00
Total Depreciation
50%
Out-of-Pocket (RCV Policy)
$1,000.00
Out-of-Pocket (ACV Policy)
$6,000.00
Replacement Cost vs ACV Over Time
How to Use This Calculator
- Enter the item's original purchase price and age in years.
- Set the depreciation rate applicable to the item category.
- Review the Actual Cash Value (ACV) — what an insurer pays on a depreciated-value policy.
- Compare ACV to the Replacement Cost Value (RCV) — what it costs to buy new today.
- The difference is the out-of-pocket gap you bear with ACV coverage — use it to decide if RCV endorsement is worth the premium.
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