“There were around 975,000 domestic burglaries last year with 27% of the population being victims of crime”

The Home Office – British Crime Survey

Your home is likely to be your most significant lifetime purchase. Coupled with your home are your personal possessions, jewellery, works of art, collections and other items of value to you and your family.

There are many options available when insuring your home, from package covers with high sum insured limits to bespoke polices for high net worth individuals.

There are several add-ons available to these policies including annual travel cover and holiday home extensions.

Choosing the correct cover requires expert advice to ensure your home and possessions are adequately covered.

Key considerations

  • Basis of cover
  • Assessing sums insured
  • High value possessions and collections
  • Valuations
  • Home security
  • Other properties
  • Annual travel

Household insurance cover is generally provided on a “new for old” basis, but the onus to ensure the sum insured is correct remains with you the policyholder. To enable you to decide as accurately as possible the real value of your property at today’s price, we have devised a guide which we hope you will find useful, particularly if you are asked to quantify your sums insured following a large loss.

Household Contents Calculator – Excel version (requires Office 2007 or above)

Household Contents Calculator – PDF