They would have to prove you DID commit fraud for you to get charged, you aren't guilty until proven innocent or everyone who made a burglery claim would get a fraud charge when they couldn't show a receipt for grandma's 50yr old wedding band they claimed. You don't need to have proof of every item being replaced, especially if it isn't of extremely high value.This quote is hidden because you are ignoring this member. Show Quote
If a house gets broken into and you say you had a $2K watch that you never had, or an iPad you never had, or computer components that you never had, cash in your sock drawer that you never had, etc. how would anyone ever be able to prove you didn't? It's literally impossible.
I raised my contents insurance quite significantly twice, once several years ago and another time about a year ago and was not asked to prove anything so you definitely do not require proof of purchase before raising it.
Like you say though, I don't think they care - I'm sure it's all in the premiums and then some.
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Good hiding places for valuables are places like laundry rooms, storage rooms, the attic, kids rooms, an actual safe, etc. These crack heads looking for a quick buck aren't going to bother with any of those places. Not many people want to dig out their watches/jewelry from an obscure location every morning though so it's easy to see why most people do not do that. A biometric safe in the bedroom is a good idea, and opens in one quick touch. There are lots of floor/wall safes too that are easily hidden and easy to install. Heirloom jewlery should be in a safety deposit box, nobody wears that stuff anyway usually.