We'll pay the replacement cost for items at the time of loss, then up to the full amount of the cost in today's market in the event of a covered loss. We made filing a claim online fast and easy.We'll guide you through each step along the way. Take photos or videos to document damages to your home and personal belongings. Please send us this documentation via your online account or email. With Personal Property Coverage, you'll receive the actual cash value of covered personal property that needs to be replaced due to a covered loss. To process a claim for your personal property, a detailed list of damaged or lost items will need to be submitted. Having photos, receipts, or manuals for the items will help us estimate the cost of repairing or replacing them. Optional coverages can affect your price like Personal Property Replacement Cost or Water Backup Coverage (not always available). Damage to Property of Others.