to pay the difference in cost between the lost or damaged item and the new, upgraded one. High Value Home Insurance: More About the Claims Process Follow the process outlined in your policy document when making a claim. It's important to adhere to the process exactly, because this will allow the insurer to process the claim as efficiently and quickly as possible. As an example, the process might involve having to provide proof of an item's value in the form of photos, receipts or valuations. The insurer usually asks for additional information, so it's important to note down the circumstances of an incident or loss in as much detail as possible. For this reason, it's a good idea to take photographs of high value items and collect other documentation that helps to confirm the value, such as the date of purchase and the supplier or store that sold it to you. Be sure to inform the police of the incident. They will give you a crime reference number that will help to facilitate your high value home insurance claim. High Value Home Insurance: About Cover Amounts Generally, insurance of this type protects items up to a certain value, which can be much higher than standard home insurance policies. The insurer usually requires you to declare the current value of individual high value items, as opposed to the purchase price. This declaration will allow you to recover the entire value of the items. In addition, the amount of cover you contract