ACE Home Insurance policies are targeted at high income clients who have expensive homes. Should you incur a loss, you can opt to full replace the home or receive a cash settlement based on the home’s value. Depreciation is not factored in when valuing the home’s contents, so you will get the replacement value of all items that have been destroyed in a loss that is covered. Some coverage options such as fraud insurance, ransom/ kidnapping and identity theft are a standard with ACE home polices.
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