Renters insurance protects tenants if theft or damage impacts their belongings. While landlords are generally responsible for insuring the physical structure, the residents are responsible for the items inside. If you’ve experienced a loss and are considering filing a claim, here’s what you should know about the process.  

3 Steps for Filing a Renters Insurance Claim

1. Document Losses

The insurance company needs to know exactly what happened and what needs to be repaired or replaced to compensate you. If items were stolen, make a list of everything that was taken. Take inventory and photos of damaged items if the property was affected by a flood or other disaster.

Depending on the circumstances, you may also need to file a police report so that there’s an official record of the incident. If damage occurred to the home because of a lapse by your landlord—like a broken lock that was supposed to be replaced—you should contact them.

2. Gather Documents

Before filing a claim, review your renters insurance policy to see what's covered. Some policies have total payout limits or only cover certain types of items. 

For example, your furniture and basic electronics may be covered, but your expensive gaming computer might not qualify unless you purchased a special policy for it. See what type of documentation your insurer requires, like photos or an inventory list, so that you can be ready when they request those items. 

3. Contact Your Insurance Company

If you plan to file a claim, reach out to your insurance company as soon as possible so that they can start the process. It’ll move quicker if you can present them with your policy number and documentation of losses right away. 

From there, the company will generally send someone to investigate the situation and determine the final payout. Working closely with an agent can increase the chance of a successful claim, so don't be afraid to reach out during this time of need.

If you’re looking for renters insurance to protect your belongings, contact Phil Taylor Insurance Agency in Clarksville, AR. The independent agency works with a variety of providers to get customers the best possible rates and most relevant coverage. Their professionals will work closely with you to ensure your most valuable assets are covered. To request an insurance quote, visit the agency’s website or call (479) 754-2616.