the age of the item for proper replacement cost/depreciation: time in the home or a educated guess?
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{ 2 comments… read them below or add one }
Current cost to replace, less depreciation for age. You’re going to be able to ballpark the age of the item.
Home insurance is actually very flexible. I’m not familiar with all the details of my home policy, but my homeowners insurance agent is always helpful. Try visting your agent or a agent in your area. http://www.americaschoicetoday.com/Home-Insurance.html They will be able to help you.