If your policy is still active, keep your homeowners insurance policy documents until the policy expires. However, the actual length of time you need to keep your home insurance records depends on whether your policy is active, expired or if you have a claim pending.
These documents serve as proof of coverage and are vital for resolving claims or disputes. Properly maintaining these records ensures you're prepared for any situation, whether providing proof to your mortgage lender or addressing unexpected issues long after the policy has ended. The table below provides a starting point for determining how long to keep your homeowners insurance documents available.
