Actual Cash Value Vs Replacement
Calculator

Inputs

Payout — actual cash value (ACV)
1,300

Results

Payout — actual cash value (ACV)
1,300
Payout — replacement cost (RC)
2,500
Payout gap — RC minus ACV
1,200

Insurance and risk results

Payout — actual cash value (ACV)1,300
Payout — replacement cost (RC)2,500
Payout gap — RC minus ACV1,200

formula-map diagram

Payout — actual cash value (ACV)
1,300
Payout — replacement cost (RC)
2,500
Payout gap — RC minus ACV
1,200

Coverage and risk relationship

Formula

ACV payout = RC × (1 − depreciation %) − ACV deductible; RC payout = RC − RC deductible

= 1300

Note

This is generic arithmetic using the amounts, rates and factors you entered. It is not an insurance quote, a policy interpretation, or financial advice. No insurer rate, jurisdiction rule, statutory limit or policy wording is built in. Real premiums and payouts depend on underwriting, your policy's exact terms and exclusions, and applicable regulation; confirm with your insurer or a licensed professional.

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