Covers the unit owner for owned personal property with Actual Cash Value loss settlement although the client may purchase Replacement Cost on Contents. Also provides Replacement Cost loss settlement for any alterations, appliances, fixtures or improvements within the unit and property that is the unit owner’s insurance responsibility under a property owners agreement. Private structures owned solely by the insured or available for the insured’s exclusive use are covered under Replacement Cost loss settlement. The client may select either Special Perils (standard) or Comprehensive Perils (option) as the covered causes of property loss.