In the event of having to replace a car, it's much easier to find another 1985 Pontiac than it is a television or stereo from 1985. So with the replacement cost, your insurance will buy you a brand new television regardless of how old your previous one was.
I know a lot of those types of things can't be replaced but if you have a gun collection worth $8,000, at the very least, you'll be reimbursed for their value.
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