How much will Kevin's insurer pay for the damaged sofa and loveseat?

To determine how much Kevin's insurer will pay for the damaged sofa and loveseat, it's important to consider various factors typically assessed in property insurance claims, such as the policy coverage limits, the actual cash value (ACV) of the damaged items, and any applicable deductibles.

In this scenario, the insurer has likely evaluated the furniture's value based on its age, condition, and replacement cost, which results in the calculated payout of $1,900. The ACV usually reflects the item's current market value, taking depreciation into account.

By arriving at the specific figure of $1,900, it suggests that the insurer has made a thorough assessment according to the terms of the policy, which typically cover either the replacement cost or the ACV. This professional evaluation concludes that $1,900 represents the maximum payout the insurer is willing to provide for both pieces of furniture considering the damages sustained.

The other options present amounts that either under-represent or over-represent the insured value of the damaged items based on typical valuation practices in insurance claims, highlighting why the chosen figure of $1,900 stands out as the correct response.