What is the Ordinance OR Law Exclusion? Something you need to know! Why do I need hurricane insurance? How much coverage will I need? Should I choose Replacement Cost (RC) or Market Value (MV) on my Dwelling? Should I choose Replacement Cost or Market Value on my Personal Property? Why don’t I need to choose a loss clause for Coverage “B” “Other Structures? How do I know what the Replacement Cost or Market Value of my House is?