Contents insurance calculator
Estimate the total replacement value of your home contents. Use the suggested defaults as a starting point and adjust each category to match your actual belongings.
Adjust each category to match your actual belongings. Defaults are illustrative starting points.
Assumptions and methodology
Default base values are illustrative estimates by bedroom count and quality level. All category values are adjustable. The total is the sum of all categories. A high-value item reminder is shown if any single-category input exceeds a common single-article limit. These are illustrative starting points — a room-by-room inventory is the most accurate approach.
Common mistakes to avoid
- ✕Underestimating clothing — add up the replacement cost of all clothes and shoes, not just memorable items.
- ✕Forgetting low-cost items that add up: books, kitchen equipment, tools, garden items.
- ✕Not specifying high-value items separately — most policies have a single-article limit (commonly £1,500–£2,500).
- ✕Using purchase price instead of today's replacement cost (for new-for-old policies).
Frequently asked questions
For a new-for-old policy, use the cost to buy a new equivalent today — not what you originally paid. This is the figure that matters when making a claim.
Most contents policies impose a maximum payout per individual item (commonly £1,500–£2,500). Items worth more must be specified separately on the policy to be fully covered.
Standard contents policies often cover theft, fire, flood, and other named perils, but may not include accidental damage as standard. Accidental damage is often available as an optional add-on.
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Sources
- ABI — Home insurance data (verified January 2024)
Disclaimer
This is a simplified estimate based on the assumptions shown above. It isn't a quote, and a real insurer may arrive at a different figure. Use it as a starting point, then check the details with your insurer or adviser.