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Stated Value

📚 Basics

A value you declare for an item — but the insurer may still pay the lesser of stated value or ACV. Not as ironclad as agreed value.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.

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