Insurance on household contents

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Insurance on household contents

Postby AlmostThere » Mon Jul 21, 2008 5:43 pm

When you have the contents of your home insured, and God forbid have to file a claim, do you have to show proof of what you are claiming..i.e. pictures; sales receipts?
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Re: Insurance on household contents

Postby Bethers » Mon Jul 21, 2008 5:56 pm

The more pictures you have, the better your chance with a large claim. That said, when I was involved in a claim (break-in - stole lots of things) the insurance company we had accepted our word and the police report. But always, it's good to have documentation. And if you have lots of jewelry, or expensive artwork, etc - an appraisal and pics are pretty standard to be required.
Beth
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Re: Insurance on household contents

Postby retiredhappy » Mon Jul 21, 2008 6:32 pm

Insurance companies have a pretty good idea of replacement value of normal stuff like TVs, etc. What always causes problems are the intangibles such as antiques, jewelry, artwork, collections, etc. Get appraisals whenever you can and lots of pictures. Keep all your claim stuff either in a fireproof box or somewhere other than your home.
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