We just lost out home in a tornado. We thought we had replacement cost but never double-checked. Turns out we had actual cash value. I would give anything to go back and change that. Double check and make sure u have replacement costs on everything! If u lose ur home it will make ur life a lot easier if u have the right insurance.

Just found out ourselves on this.  This is what happens when you buy your insurance online, there is no rep. to talk you thru the difference in insurance.  Always go with Replacement Cost Value.  Our roof got hail damage, now we don't have what it takes to re-roof the house.