How much would a homeowner receive with actual cash-value coverage and replacement cost coverage for a three-year old sofa destroyed by a fire? The sofa would cost

$ 780

to replace today, whereas it cost

$ 630

three years ago, and it has an estimated life of six years.

With actual cash-value coverage, the amount the owner would receive for the sofa would be

$enter your response here.

(Round to the nearest dollar.)