Calculating contents insurance
It can be difficult to think through everything you have in your house when you come to add up what you should include on your contents insurance. Use our handy calculator to think it through.
| Living room | |
| Sofas | |
| Other furniture | |
| TV, home entertainment, sound system | |
| DVDs, video games, books | |
| Carpets, curtains, soft furnishings | |
| Pictures & ornaments | |
| Laptops & computers | |
| Kitchen | |
| Fridge & freezer | |
| Oven & cooker | |
| Microwave, toaster, & other electricals | |
| Pots, pans, & utensils | |
| Crockery, cutlery, & glassware | |
| Washing machine & tumble dryer | |
| Dining room | |
| Table & chairs | |
| Other furniture | |
| Electricals | |
| Carpets, curtains, soft furnishings | |
| Pictures & ornaments | |
| Antiques & silverware | |
| Bedrooms | |
| Beds | |
| Furniture | |
| Shoes & clothes | |
| Jewellery & watches | |
| Bedding, carpets, & curtains | |
| TV, home entertainment, sound system, musical instruments | |
| Bathroom | |
| Cabinets, shelving, & mirrors | |
| Soft furnishings | |
| Electricals | |
| Garage | |
| Electricals | |
| Exercise equipment | |
| Toys | |
| Shed & garden | |
| Outdoors gear | |
| Gardening equipment | |
| Tools | |
| Lawnmowers | |
| Garden furniture | |
| Camping & play equipment | |
| TOTAL | |
How much contents cover do I need?
How much contents cover you take out depends, of course, on how much you own. Working that out is important - the average UK homeowner or renter is underinsured to the tune of £20,000. Many deliberately underinsure to reduce their premiums, but being fully insured is important. Any marginal savings made through underinsurance could be wiped out in the event of a claim.
Even if you do set out to fully insure your contents, it can be hard to know how much your possessions are worth. Most items can be searched on the internet. Make sure that you search for items of the same age and condition as your own. Get a professional appraisal for more valuable items like antiques, art, and jewellery.
Remember to update your contents insurance annually. It’s surprising how much we can pick up in just twelve months.