How Long To Keep Home Insurance Records?

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    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    A homeowner’s policy is a compilation of forms.  The declaration pages of the policy state which forms are applicable.  The company maintains copies of the declarations and the forms for many years.  It is highly unlikely that you would have any difficulty reconstituting a homeowner’s policy that you had several years ago.  Maintaining copies of expired policies is probably not a good use of a storage cabinet.
    Answered on April 24, 2014
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