welp, i could be wrong but im pretty sure renters insurance dosn't require you to provide exact receipts for everything you claim. i havn't really looked into it because i got renters insurance because the place i was renting from required you have it. i just pay the measly 13-15 bucks a month because i have to in order to live in my current house.

i mean, in the case of my bike, its custom built by me little by little from parts off craigslist, ebay, friends, the LBS, and the internet. so its not like i have an exact total that i can show thru receipts and card payments. when i first got the renters insurance they asked me broad questions like what are the most expensive items i have, collections, etc....for instance my vinyl record collection, they asked me "how much do you think its worth?" and i was like "lol i have no clue. i dont keep record of every single piece of music i own and how much i payed" and she was like "well, ballpark" and i said "i dunno, like 3 grand maybe? maybe less?" and she seemed fine with that. is it 3 grand? i dunno, probably not. maybe its like exactly 2145 or something. but if my record collection is stolen im pretty sure if i pay the 500 deductable ill be getting how much i ballparked without being hassled.

probably the same would happen with my bike. i cant really produce an exact amount, ballpark like a grand, probably a little less. but i know what components are on it, and if i listed them out, new @ MSRP, it could total to 1500, probably more....but then again i bought allot of used components for half or less MSRP. if my bike is stolen and they ask me how much it was worth and i said 1500 when probably its more like 878 total, im thinking they wouldn't "bend me over" and make me provide proof. certain components i could provide proof of thru check card records thru my bank or paypal records, others i couldn't because i payed cash at the LBS or to some guy on craigslist. would they be like "well, you have no proof of that cash transaction so you dont get money for your wheelset" ?? i wouldn't think so lol.... i could be totally wrong though, so i guess i should look into it.

my guess is if something is less than a certain amount they dont really check into it. or if you are claiming a ridiculous amount that dosn't sound right for a certain item, then they will look into it.
i dunno i guess ill ask my insurance agent and find out better details on my renters insurance, i just havn't ever bothered to because renters insurance was something i got just to be able to move into an apartment to meet the landlords requirements.

i guess once i find out details i will let people know.