How to File a Renters Insurance Claim

Filing a renters claim is straightforward if you document the loss well.

Step by step

1. Ensure safety first, then stop further damage if you can.
2. File a police report for theft or vandalism. You will need the report number.
3. Document everything: photos, videos, and a list of damaged or stolen items.
4. Contact your insurer promptly and start the claim.
5. Provide proof of ownership: receipts, photos, or bank statements.
6. Work with the adjuster and keep copies of all communication.

Get paid faster

• A pre-existing home inventory dramatically speeds up claims.
• Save receipts for temporary lodging or essentials, since loss-of-use coverage may reimburse them.
• Respond to adjuster requests quickly.

Remember the deductible

Your payout is the covered loss minus your deductible, so very small losses may not be worth filing.