Replacement cost coverage does not subtract any amount for depreciation. Actual cash value coverage will pay you for the depreciated amount of the item, which may not be enough for you to actually replace the item.

If you choose replacement cost coverage, then your manufactured home must be insured for 100% of the cost to replace it with a new home of equal quality. If you choose actual cash value, then your coverage should be enough to replace it with a home of the same age and condition.

Yes.

Your possessions are protected from the same causes of loss as your home itself. The settlement is for the actual cash value, as long as it does not exceed the limits in your policy. You can upgrade your policy to replacement cost coverage. You can also schedule selected higher-priced items for increased coverage.

You should schedule any higher-priced items that would go beyond the limits described in your policy. These could include furs, coins, and other valuable collections, cameras, firearms, jewelry, art, computers, silverware, etc.

Yes. The policy your landlord buys to protect the structure does not cover your belongings. Renters Insurance covers your personal belongings and provides liability coverage.

Yes. A seasonal home policy is designed for any home that you use on a seasonal basis for less than five months in a row during the year.

Yes. See Earthquake Insurance coverage.