Contents Cover Calculator
How much contents insurance do you actually need? Add up the replacement value of your belongings below and this tool suggests a sum-insured to aim for — so you are neither under-insured nor paying for cover you do not need.
Quick answer
Insure your contents for the cost to replace everything as new. Go room by room, total each category of belongings, and add a small contingency. That total is the sum insured to request.
Suggested contents cover
£—
Illustrative planning figure based on the values you entered — not a quote. Insure for the cost to replace belongings as new, not their second-hand value.
Get a free quoteContents Cover FAQs
How much contents insurance cover do I need?
Enough to replace everything you own as new. The reliable way is to go room by room and add up the replacement cost of your belongings — furniture, electronics, kitchen, clothing, valuables and the rest. This calculator totals those figures and adds a small contingency for items people routinely forget, giving you a sum-insured to aim for.
Should I insure for new-for-old or second-hand value?
Most modern contents policies are "new-for-old", meaning they pay the cost of buying a replacement brand new (clothing and linen are often the exception and may be settled on a wear-and-tear basis). Estimate replacement-as-new values so your sum insured is not too low.
What happens if I under-insure my contents?
If your sum insured is lower than the true replacement value, an insurer may apply "average" — reducing a claim payout in the same proportion that you were under-insured. Setting an accurate sum insured protects you from a shortfall at claim time.
Do high-value items need to be listed separately?
Often, yes. Many policies cap any single item (a "single-article limit", commonly around £1,000–£2,000) unless you specify it. Jewellery, watches, bikes and art frequently need to be listed individually — always check your own policy wording.
Is this calculator a quote?
No. It is a free planning tool that adds up the values you enter. It does not set a price. Your premium is only confirmed once a regulated insurer assesses your individual circumstances.