You need to make sure that you have enough cover for all items kept in your main home, outbuildings and garden.
We suggest you make a list of all the most expensive things you own and then add on an amount to cover smaller items such as furniture, kitchen contents, linens, clothes, toys, and DVDs etc.
You could also go through your house room by room, adding up the value of all the things in each room. Don’t forget to include more permanent contents, such as carpets and curtain poles, which are often overlooked.
Remember that you should consider how much it would cost to buy the new, equivalent replacements, rather than the second-hand value, as most policies offer cover on a ‘new for old’ basis.
However, with the majority of our policies, we offer a 'blanket sum insured' for your contents. This means that rather than us needing to know an exact figure, we'll cover you up to a certain amount, but will only ever pay out what you'd need.