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6 things to always keep.



While homeowners can’t always stop disasters from happening at home, there are ways to prepare that can make recovering from them faster and easier. What is one of the fastest and most effective tips? Save receipts for insurance claims.

This simple practice can help you replace what you’ve lost when you file a claim. And while you can still get reimbursed without receipts, having them handy makes the whole process faster and smoother. Keep this list in a safe place, such as a waterproof, fireproof safe, in a safe, or scan it electronically.

Do you have these six categories of receipts available for insurance claims, focusing on big tickets? Find out.

  1. Valuable electronics. Electronic devices such as computers, televisions and gaming systems are expensive. Keeping receipts for these large purchases is always a smart idea.
  2. Appliances. These are items like your refrigerator, stove or cooktop, dishwasher, washer/dryer, etc. If you’ve upgraded an item since moving into your home, your receipt may be the only proof that your refrigerator is a much more expensive model than one that was there before.
  3. Jewelry. The sentimental value behind your jewelry is irreplaceable, but with receipts you can at least be compensated for its monetary value.
  4. Furniture. In the event of damage or loss, you may need to completely renovate your home. Receipts can speed up the claims process so you don’t end up sleeping on the floor. In addition, they can help you get replacement furniture of the same or similar value.
  5. Sports or hobby equipment. Bicycles, skis, power tools and other collections – depending on the make and model, these can be really high.
  6. Major home improvements. If you’ve recently made any major upgrades to your home (eg, gutted the bathroom and added fancy fixtures or replaced the flooring throughout your home), save those receipts. They may have increased the overall value of your home and will help prove it.

Remember this general rule of thumb: If an item costs more than you can afford to lose or replace – save the receipt. If you can’t find a receipt, taking pictures of your home and belongings can work as a substitute. Additionally, appliance manuals and warranties are good proof of ownership because they often list the model and serial number of home items.

While you’re collecting receipts for insurance claims, inventory your home as well. Follow our list to learn what yours should look like. Then talk to a local, independent agent to get even more protection for your home.

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