Depending on your home insurance policy, your dwelling and personal property coverage may already include RCV for one or both coverage types. However, if it doesn't, you may be trying to decide if ACV or RCV is right for you. The best way to do this is likely to evaluate your belongings and their value. If the cost to replace items out of pocket after a covered loss would be a financial strain for you, the extra premium cost of RCV may be worth it for you. Speaking with a licensed insurance agent may help you decide if paying for RCV coverage is the right call.