Coverage is subject to the limits of liability shown in the Declarations and to all terms, conditions and exclusions of this policy. We will pay the reasonable cost to repair or replace the damaged dwelling, up to the limit of liability for the dwelling, using materials of like kind and quality. Increased costs incurred to comply with the enforcement of any ordinance or law are covered only up to the amount stated for that additional coverage. Additional living expense is payable for the shortest time reasonably required to repair or replace the premises, subject to the time limit stated in the Declarations. Debris removal, trees, shrubs and plants are subject to separate, lower limits as described elsewhere in this policy. Loss to personal property is settled on the basis shown in the Declarations, which may be actual cash value unless replacement cost has been selected.