CA
California
California carriers offering replacement-cost coverage must disclose methodology at sale and renewal (CA Ins.
Rebuild cost by state
CO
Colorado
Post-Marshall-Fire Colorado SB22-206 requires 24-month ALE and contents-payout-without-itemization for declared-disaster total losses, plus ERC quote-time disclosure.
FL
Florida
Florida carriers must offer replacement-cost coverage on a dwelling; ACV is allowed by written election (FL Stat.
NY
New York
NY DFS regulates the standard fire policy; replacement-cost coverage is available by endorsement, with ACV as the typical default (NY Ins.
TX
Texas
Texas requires disclosure of policy form (HO-A vs HO-B vs HO-C); RCV vs ACV election is made at issuance (TX Ins.