Calculating contents insurance

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


Other furniture

TV, home entertainment, sound system

DVDs, video games, books

Carpets, curtains, soft furnishings

Pictures & ornaments

Laptops & computers


Fridge & freezer

Oven & cooker

Microwave, toaster, & other electricals

Pots, pans, & utensils

Crockery, cutlery, & glassware

Washing machine & tumble dryer

Dining room

Table & chairs

Other furniture


Carpets, curtains, soft furnishings

Pictures & ornaments

Antiques & silverware




Shoes & clothes

Jewellery & watches

Bedding, carpets, & curtains

TV, home entertainment, sound system, musical instruments


Cabinets, shelving, & mirrors

Soft furnishings




Exercise equipment


Shed & garden

Outdoors gear

Gardening equipment



Garden furniture

Camping & play equipment


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.

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