Guides

Burglary and theft claims: what to list and how to prove it

A theft claim usually requires a police report and an itemized list of stolen property. Insurers scrutinize theft claims more than fire claims, so documentation matters.

Do this first

• File a police report and get the report number. Give police the same list you give your insurer, including serial numbers.
• Notify your insurer promptly.
• Check sub-limits. Jewelry, cash, firearms and collectibles often have low theft limits (e.g. $1,500) unless scheduled.

Proof of ownership

Use receipts, credit card statements, photos showing the item, boxes, manuals, warranty registrations, and serial numbers from device accounts. Apple, Google and Amazon list your registered devices.

What to include

Brand, model, serial number (if known), age, condition and today's replacement cost for every item. Don't forget the bag the items were in, the chargers, and the damaged door or window. Damage to the house itself goes under dwelling coverage.