What is “Proof of Ownership” When Making a Home Insurance Claim?

Get Prepared Before Filing a Home Insurance Claim


If you ever need to file a home insurance claim, it’s worth knowing what to do beforehand. Your insurer will ask you to provide some form of proof of ownership for the items that were damaged or lost. Essentially, you’ll need to document all of your lost or damaged belongings so your insurer can properly compensate you. Here’s what you need to know about proving ownership of your items in the event of a home insurance claim.


What is proof of ownership?
Proof of ownership in the home insurance world is any document that provides details about an item that was lost or damaged and now needs to be replaced.


What counts as proof of ownership?

Every insurer has their own requirements so be sure to check with them first. Generally speaking, any of the following documents could be used to prove you were the owner of your items:

  • The original receipt (or an electronic copy)
  • The email receipt for an online purchase
  • A photo of the item
  • A bank or credit card statement
  • A certificate, evaluation or appraisal
  • A record of the item’s serial number
  • An operating manual or packaging


If you have a gift that needs to be replaced in a home insurance claim, you can either ask the gift giver for the receipt, find the original owner’s manual or packaging, or find a photo that you took of the item.


We hope that you have a better understanding of proof of ownership now, should you ever need to file a claim. Home insurance doesn’t have to be hard to find. When you need to find coverage to suit your budget, talk to the professionals at Humble & Davenport Insurance today.

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