How to File a Renters Insurance Claim

Renters claims move fast because the values are typically lower. Documentation still matters.

Step-by-step

1. 1. File a police report for theft

   Most insurers require it. Get the report number.

2. 2. List every stolen or damaged item

   With brand, model, age, and what it would cost to replace today.

3. 3. Contact your insurer within 24–48 hours

   Use the claims line. Get a claim number and the adjuster's contact.

4. 4. Provide receipts where you can

   Old purchases without receipts can be supported with credit card statements, photos, or even social media posts.

5. 5. Track temporary living costs

   If your unit is uninhabitable, ALE pays for hotel and meals above normal — keep every receipt.

Common pitfalls

• Forgetting that ACV policies pay depreciated value — pay extra for replacement cost.
• Underestimating contents — most renters own $20–$30k of stuff.
• Assuming flood is covered — it never is on a renters policy.

FAQ