If I have no proof that I owned certain pricey items, will I still be paid for damage or loss after filing a claim?

"I own some expensive electronics, handbags, and jewelry, but I don't have photos or receipts for all of them. If I file a home insurance claim for these items without proof that I ever owned them, will they still be covered?


“Good question! If you attempt to make a claim on several high-ticket items, the first thing an insurance company will ask for is proof of ownership. They will then investigate the claim to determine whether it is covered under the policy. If they deem it a covered loss, they will make payments up to the policy’s limits.
If you don’t have pictures at the moment, take some! It is smart to take photos of the receipts as you purchase these items as well. Most insurance companies request some proof of ownership to complete the claim process. If you cannot provide proof, it’s possible that your claim could be denied or that you won’t get an adequate payout.
Furthermore, insurance policies have very specific limits on how much you can claim for particular items, such as electronics, jewelry, and furs. For jewelry, the limit can range from $1,000 to $5,000. For electronics, the limit can be $1,000. So if you know you need more coverage, you will want to talk to your agent and schedule these items on your policy to be reimbursed fully in the event of a loss. “
Shannon Martin
Answered on Apr 08, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

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