Renters insurance claims

An important first step is starting to make a mental list of all personal property affected in the loss. Making a note of the item’s features, such as its brand, condition and initial cost, can also help in the estimating process. It’s a good idea to hold onto receipts for any expensive items you buy to show proof of ownership and the item’s general cost, or to take photos of the items that have been damaged.

Typically, renters’ insurance covers the personal items owned by the person(s) that owns the renters’ policy. These items may include furniture, clothing and electronics.

Depending on your specific renters’ policy, you may be able to add building improvements coverage. In the event of a covered loss, this coverage pays up to a limited amount for structural damages to any features that you can prove were paid for or completed by you. Some examples include changing a room’s flooring or painting walls.

Your renter's policy may cover Additional Living Expense depending on the loss. Typically to own something that’s been damaged in the covered loss, such as furniture or clothing.