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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?
"
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.
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- Gregory R.
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