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Celebrities Have to File Home Insurance Claims, Too

By Barbara Marquand on June 7th, 2010

Imagine the life of the rich and famous and you may think of glamorous photo shoots, red carpet appearances and luxury living in posh hotels and mansions.

What you probably don't think about is everyday headaches and paperwork.

But celebrities are subject to misfortune, too, and the mundane aftermath.

Take supermodel Kate Moss and movie star Orlando Bloom, for instance. Both were victims of burglaries in the last year, and, just like the rest of us who have suffered home break-ins, they had to file property insurance claims.

Media outlets reported crooks got away with three pieces of art from Moss's prized collection at her north London home, including a piece by British street artist Bansky, whose work is typically valued in the six figures. A 24-year-old man was arrested on suspicion of burglary, but there's been no word yet whether the stolen artwork has been recovered.

Hollywood heist

Meanwhile, in Los Angeles news outlets said thieves stole two expensive watches and other items from Bloom's home in a string of burglaries targeting hot Hollywood celebrities. Six young people were arrested, and last month, reality starlet Alexis Neiers pleaded no contest to the burglary. The other accused are awaiting trial.

News of your break-in probably won't make headlines, but aside from the publicity, you'll have to go through a similar process as Moss and Bloom. First, you must call police. Home insurance policies require you to file a police report to make a claim stemming from theft or vandalism. Then you need to call your insurance agent -- the sooner, the better -- and be prepared to supply backup information, such as photographs, videotapes, receipts, owners manuals, warranties or original manufacturer boxes, to prove you owned the stolen items.

If, like Moss and Bloom, you lost particularly high-value items, like rare artwork or fine jewelry, you might need extra home insurance to cover those losses.

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