European Stars And Stripes (Newspaper) - June 5, 1987, Darmstadt, Hesse                                Guide continued from Page 13 Arlington. A 11 the sofa is destroyed in a lire thai $500 is Al the company will give you and if you go out five years later with $500 you won t get anywhere As Good a sofa the Cost of a replacement May have risen to $1,500." Harvey Seymour of i to instance information Institute a now York Trade organization representing insurance companies said if you Don t ask Lor something different you Are going to get actual Cash value insurance " if you have a loss you will end up paying the difference Between an item s original value and its current one to said. Most insurance experts agree that homeowners and renters arc boiler protected with replacement value coverage which Lor a slightly higher Premium usually pays the amount needed to replace the article. Adding replacement value to personal property coverage will raise the Premium for a Homeowner by about 10 percent White renters and owners of co Ops or condominiums who Are insuring the contents alone and not the str Cluro May face increases of up to 30 percent but most companies ii Mil the amount of Depreciado they will absorb to four times the actual Cash value of the item. This restriction primarily affects items thai depreciate quickly like clothing and appliances. People often think they have total replacement a us and they Don to said Stephen Fitzpatrick vice president in charge of Persona property insurance at the Home insurance co in Chicago. If you lose your refrigerator in a fire the actual Cash value May be $50, while it May Cost you $800 for a new  most personal property policies also limit the amount of reimbursement for certain types of objects. For Derns like jewelry furs silverware and , who limits apply Only in the event of loss by theft. Bui the limits on other categories including Cash securities and business equipment in the Home apply to any Lyp of loss. These limits Are Ollen quite Low. For instance if a Home is burglarized i to maximum that an insurance company will pay for the stolen jewels watches and furs combined is $1.000, regardless of the actual toss and regardless of the deductible paid. Insurance provided by i by Mary Neth consumer editor do you need More household instance than the military provides service members and department of defense civilians who live in military housing or in Oil base rentals with contracts Hal have been approved by a military housing office arc Given tree coverage under the military personnel and civilian employees claims act. Sometimes though the payoff does t come close to Leal value says opt Claire Zajac. Claims judge advocate for the Mannheim Law Center Parl of the 21 is support come. For example. The most we can pay Tor  is �1,000 per item. $4.000 per claim. For someone with an extensive collection that s nothing Al All she says people should Check Oul the amounts of coverage paid and the amounts allowed for  the amounts allowed can be obtained from a number of american firms with offices overseas. It their possessions Are of less value i would advise them not to buy private insurance. If the opposite is Irue they May need to think about it someone Wilh an expensive Grandfather clock she Points out. Would probably not be. Covered by the maximum payment of $1,000 per Dock. The same would be True for the owner of expansive furs. Only $1,000 is allowed per fur. $2,000 per claim. The military claims act pays in Case of fire theft flood or other unusual occurrences. If allot your household goods Are destroyed by fire or the ship carrying them during a move goes Down Trie maximum you la be paid to $25,000, claims Are not honoured if they can be attributed o j negligence of the claimant for example you won t be reimbursed for Tholt that resulted because you Teft your front door unlocked besides household and personal goods the a sitar claims act covers vandalism of vehicles parked in Tail of approved quarters rentals registered with the focal military authorities if you have Automo me insurance that wis pay in such a Case you must place a claim with them first. Most people have to 00 or $200 deductible policies. After Iney receive the insurance payment to will make up the amount deducted says Zajac. To file a claim Lor any Type of loss or damage you should Contact the claims office As soon As possible after notifying the military police she says. You will need some soft of proof of ownership. The Best proof is a sales receipt but we sometimes w