“It is not a requirement to have receipts for the items you want to cover on your plan. While preferred, you can establish “proof of ownership” of your items through other means.

For example, the pictures the insurance provider has you take of your items when you add them to your account work great for providing this “proof of ownership”!

Especially, for claims of accidental damage, copies of your purchase receipts are typically not requested.

For theft claims, the insurance company prefers to have you show a copy of your stolen items’ purchase receipts. This is the quickest way for them to establish that you did in fact “own” the items you’ve claimed have been stolen.

However, if you no longer have copies of your receipts, your photos of the items uploaded to your account can usually suffice. As a best practice, keep track of your receipts! Have copies emailed to you when you purchase items, or take pictures of receipts and email them to yourself.

You can also try to contact the original seller/retailer you purchased items from as often they will have records going back a year or two of past transactions. You can try providing your name, phone number, email, or credit card number to try and track down a receipt for something you purchased.”

“The quickest way to pay your premium is through your insurance company’s website. You can find direct links to payment portals for major insurers on the insurance provider’s website.

Log in to your insurer’s customer portal to pay your bill and set up automatic payments, or make a one-time payment without needing an account. Most companies also accept payments over the phone or by mail.”

“The due date will vary depending on when you acquired your coverage and your insurance company. Typically, auto insurers allow you to pay your auto insurance premium in full or split your bill into installments or monthly payments. You can find the due date for your payment on your insurer’s customer portal.

Some insurance companies offer a grace period for missed payments. You may still have time to secure your policy if you’re a few days late on your due date. However, we recommend setting up automatic payments to avoid any interruption in coverage.”

“You can download your digital insurance identification card through your insurance company’s website or app. Find a link to your insurer’s website and additional details on the insurance provider’s website.

Your insurance identification card serves as proof of coverage. Your insurer will mail you a paper identification card along with your insurance declaration. If you lose your card, your insurance company will send another copy upon request. A digital identification card is valid as proof of insurance in all states except New Mexico.”

“Some life events, such as your teenager getting a driver’s license, require updating your insurance policy. Many insurance companies allow you to make these changes online through your customer portal. Insurance agents from the insurance provider can assist you if you’re unsure about a change or need different coverage to adapt to your new circumstances.

Common reasons to update your policy include:

Increasing or decreasing your deductible
Changing the limits of your policy
Adding or removing a driver or vehicle
Moving to a new address”