From the ACV vs RCV guideFree tool

    How much would your insurance actually pay?

    Pick a household, edit it, or add your own items. We'll show you the gap between what it costs to replace your stuff (RCV) and what an ACV-only insurance policy would cut you a check for today.

    Start from a preset

    Pick the closest household — customize it below.

    Replacement cost (RCV)
    $27,100
    What it costs to buy new today
    Insurance pays (ACV)
    $10,891
    What an ACV policy would cut you a check for
    The gap
    $16,209
    Out-of-pocket if you only have ACV

    Your household

    15 items · Edit any cell, or add your own.

    Coverage at a glance
    How much of your replacement cost ACV actually covers.
    ACV (covered)Gap
    Where the gap lives
    Top 10 items by insurance gap. Sorted by where you'd lose the most.
    Fast-forward the disaster
    What if the loss happens today?
    yr
    Today+10 yrs
    The two-check trap
    RCV policies don't pay you all at once. You get ACV up front, then have to front the cash to replace everything before the holdback (Check 2) lands.
    Day 0
    Claim filed
    ~Day 30
    Check 1 (ACV)
    $10,891
    ~Day 180
    Check 2 (holdback)
    $16,209
    You float in the meantime
    You'll need to spend roughly $27,100 to replace everything, but only $10,891 is in hand. The remaining $16,209 sits on your credit card until receipts are submitted — and there's a deadline (often 180 days) to claim it.
    Close the gap before you need to

    Your $16,209 gap is what insurers won't pay without proof.

    Manifest builds your home inventory with AI — snap photos, forward receipts, get an insurance-ready PDF. Documentation is the only thing that turns ACV into RCV in a real claim.

    Start your free inventory Read the full ACV vs RCV guide
    7-day free trial · No credit card required

    Educational tool. Depreciation rates are based on publicly documented insurance industry tables (4 preset households included) and are not a substitute for your carrier's actual schedule or a public adjuster's appraisal.