Replacement Cost: What is this? Replace your belongings with like kind and quality - restore it to what it was immediately before the loss.

By de-selecting Replacement Cost coverage, you are converting your policy to Actual Cash Value, or "market value", replacement

Theft Coverage: What is this? Should someone steal your personal belongings, this coverage will replace those belongings, up to the policy limits.

By de-selecting Theft coverage, you are reverting to Burglary coverage, which requires signs of forced entry and is lesser coverage

Water Backup (Sewer & Drains): What is this? Should water backup, (or overflow) your personal belongings will be covered up to the policy limits.

Earthquake: What is this? Covers any earthquake or earth sinking, rising, shifting, expanding or contracting within a 72-hour period.

Identity Theft Protection: What is this? Resident Secure Protection provides an Identity Theft (ID Theft) Policy augmented with identity risk scores, monitoring, and alerts for suspicious or fraudulent activities.

By de-selecting Identity Theft Protection you are completely removing protection against the theft of you identity. This could leave the full financial burden of identity theft on yourself.