Simple steps to file a renters insurance claim
The claim process will vary based on the extent of damage, but here’s what to generally expect:
File and track your claim
After you file a renters insurance claim, you’ll get a claim number to track its progress.file a claim
We’ll review either an itemized list or photos of any damaged personal belongings, such as clothes and furniture. This helps us determine the value of your items.
We’ll send you details about your claim settlement. Your damage estimate and any claim payments are based on the terms and coverage of your renters insurance policy.
Receive claim payment.
We’ll share details of your settlement and any payments made to parties involved. Log in to My Account and visit the Claim Center to select your payment method.
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.
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.
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 you have to own something that’s been damaged in the covered loss, such as furniture or clothing.