How Do You Claim Clothes on Insurance? Clothing Insurance Claim

To make an insurance claim on clothes, follow these steps:

1. Take photos of all items in good condition.
2. Check your policy coverage.
3. Provide documentation to your insurance company.
4. Await reimbursement for damages.

AIG Private Client Group offers Couture Collection Insurance for designer clothing:

• Annual premium for $1 million collection: $3,000.
• Clothing typically falls under household contents.
• Consider individual rider for furs.
• Determine replacement value if not covered by policy.

When making a claim, create a home inventory list with these details:

• Item names and descriptions.
• Purchase dates and estimated values.
• Photos as evidence of ownership.

Ensure your clothing is covered by insurance with these steps:

1. Review your policy coverage.
2. Consider additional coverage for valuable items.
3. Confirm replacement cost coverage.
4. Maintain a home inventory for potential claims.