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.