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 $830 to replace today, whereas it cost $700 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 $ (Round to the nearest dollar.) With replacement coverage, the amount the owner would receive for the sofa would be $ (Round to the nearest dollar.)