If my apartment is broken into will i have to show receipts to insurance co. to replace items?

Question

If my apartment is broken into will i have to show receipts to insurance co. to replace items?

Answer 1

You don't need a receipt for 100%, but you'll need to prove ownership of anything unusual.  Recent purchases should show on your credit card statement.  High ticket items, you'll need the owner's manual/warranty card, which you probably have anyway.

It's always a good idea to videotape the inside to get a complete inventory.

Answer 2

No.  But you have to file a police report and give a full inventory to the police and to the claims adjuster.

Answer 3

If you have items that are fantastically expensive - yes.  If your apt. is only 500 a month, and you claim a 5000 stereo and tv, then they are probably gonna ask for some kind of evidence. Pics, receipts, something.

The items you claim need to be in line with your income.

Answer 4

No but they will look for pictures and an inventory.

Answer 5

No, you do not need to show receipts, but they do help.  If you have very expensive items, take out a seperate policy on them.   Prepare an inventory of your possessions, take pictures of your home, and retain both the pictures and inventory offsite.