I have $33,000 worth of coverage for my boyfriend and I. We have very nice things. If my house were to burn down or something were to happen do I have to prove that I have lets just say 36 pairs of Tommy Hilfiger socks and 16 Nautica Bras? How does this work? My sectional couch alone is worth $1500.00 and I'm starting to get worried that I don't have enough coverage. Like I said I have Replacement Cost Renters Insurance. Please Help Me..... Any Info Will Help Me!

Chances are they will write you a check for $33,000 what you do with the money after that is up to you.

When I got home owners insurance I asked the agent if I needed to send photographs of my items or if I needed to show receipts they said no. So chances are if my house burns down they will send me the check for the replacement cost of $40,000 and what I chose to do with it is up to me.

Best thing to do is

A. Ask your insurance agent
B. Take photographs of all your personal items mostly furniture and Electronic equipment and expensive jewlery etc.
C. Hold on to any receipts for large item purchases, laptop computer, digital camera, stereo equipment, television etc.

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