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Calculate the value of your contents

Work out the value of your home contents for a more accurate home insurance quote using our handy online calculator.

Ready to get a home insurance quote?

First, you’ll need to find out how much your home’s contents are worth.
Overestimate the value of your possessions, and you could pay a higher premium than you need to. Underestimate them, and your insurance policy might not provide you with the right level of cover. It's not just valuables like jewellery and electronics you need to think about. You should consider how much it might cost to replace your furniture, appliances, carpets, and other fixtures and fittings that make your home functional and your life comfortable.

How to use our contents value calculator

Follow the instructions to add your items to the list
Find out the total value of the contents you want to insure
Follow the link to start your home insurance quote

Let’s get started

Make sure you answer all the questions below honestly and to the best of your knowledge.
Step 1
Our calculator will prompt you for most items in your home, but you may think of or find extra items that are not listed. Please remember to factor these in. The calculator does not link into our quote system and the final value should be retained by you for inclusion with your quote.
Step 2
Remember to look in every room in your home and make a list of all your possessions. You should consider everything from furniture to decorations, including curtains, carpets and soft furnishings. Don’t forget anything else that might be contained in a cupboard, attic or outbuilding like your shed and garage.
Step 3
Estimate the value of your items on the basis of replacing them as new (today) and not the value in their current state. There is often a substantial increase in the value of jewellery and watches over the years you’ve owned them. Conversely, some items may actually end up costing less to replace as new. As your contents value increases, so will any insurance premium quoted.
It’s important to make sure that you don’t underestimate the value of your contents. Should the value of your contents in your policy only represent 80% of the full replacement cost, we won’t be able to pay more than 80% of any potential claim.

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