The coinsurance condition does not apply. Replacement cost coverage applies, but with conditions. On a specified-peril form there is no coverage unless the cause of the loss is one of the specified perils. More information on perils. Personal property .
Personal property is property other than the building.
It is not an integral part of the building. Rental value loss. The insured may recover, for the period of repair, the fair rental value of that portion of the dwelling or appurtenant private structure rented or held for rental. The normal vacancy factor and discontinued costs should be considered. Some forms automatically provide RC is under a specified amount.