How much contents insurance cover do I need?

Calculate how much contents cover you need with our walkabout valuation guide.

One of the most common reasons claims get refused or not paid out in full is often down to a simple mistake by the policyholder. It’s very easy to underestimate the value of all your contents in your home. When asked to put a value on our contents for insurance, we think of our most valuable items like jewellery, paintings or home entertainment systems but when you start to break down your possessions, it very quickly add up. Whether you forget to include contents in your house like clothes, furnishings and appliances or items in your outbuildings or loft, leaving them out of your total contents insured could leave your home underinsured.

Imagine not being able to replace all those items should the worst happen and you have your claim disputed. Not to mention the stress of dealing with the insurers to get any money from them.

So here’s a simple way to work out how much contents insurance you need

We’ve put together an easy to follow valuation guide that you can print off and fill in as you walk round your house. Online home contents calculators may help you add up all the figures but, in our experience, having a simple prompt in front of you as you walk around your house and outbuildings ensures nothing is missed off the list.

And if it seems like a daunting task to fill it in, please get in touch. Depending on your location we’d be happy to come out and help you do it.

To get our valuation guide, simple send an email to our Executive Home Cover team using the form below. Christine or Lita will email our guide back to you.