Contents Insurance Calculator
Our contents insurance calculator estimates your annual premium and helps you determine the right level of cover for your household possessions. Most people underestimate the true value of their contents — this calculator helps you build an accurate figure before selecting your policy.
Contents Insurance Calculator
Calculate the total value of your home contents and estimate your insurance premium.
How Much Are Your Contents Worth?
UK households hold an average of approximately £35,000 in contents by replacement value, yet many insure for £15,000–£20,000. Walk through each room and estimate the new-for-old replacement cost. Single-article limits are important — most policies cap individual item payouts at £1,500–£2,500 unless specifically listed. High-value items such as jewellery, cameras, and laptops should be individually specified on the policy schedule. Use our Buildings and Contents Calculator to model both covers combined, and our Home Insurance Calculator to compare total home insurance costs.
Creating an Accurate Contents Inventory
The most common cause of underinsurance is failing to account for the true replacement cost of all possessions. Walk through your home room by room and list every item at its new retail replacement cost — not its second-hand value or original purchase price. The bedroom typically holds the highest value: clothing, jewellery, watches, handbags, and electronics often total £8,000–£15,000 alone. The living room adds a television, sound system, gaming consoles, books, and decorative items. The kitchen adds all appliances, cookware, and food. Repeat for every room and outbuilding. Photograph or video the contents of each room and store the record in cloud storage or email it to yourself — this evidence significantly speeds up any claim and reduces disputes about what was lost.
Frequently Asked Questions
Personal possessions cover (often an add-on) extends contents insurance to cover items taken outside the home. Standard contents insurance only covers items inside the home.
Standard contents policies often exclude or limit bicycle cover. Our Bicycle Insurance Calculator estimates dedicated cover for any bike value.
Only if you add accidental damage cover as an extension. Without it, spilling a drink on a laptop or a child breaking a tablet is not covered.
Most policies have a compulsory excess of £50–£150 per claim plus any voluntary excess you choose. Higher voluntary excess lowers your premium but ensure it is genuinely affordable at claim time.
Combined policies from the same insurer typically offer a 5–15% discount versus separate policies. However, comparing the best standalone deals is also worthwhile.
Enter your total contents value — furniture, electronics, appliances, clothing, kitchenware, and personal items combined. Most people significantly underestimate this figure. A systematic room-by-room inventory, pricing items at current replacement cost rather than original purchase price, typically produces a higher total than initial estimates. The single article limit determines how individual high-value items — jewellery, electronics, musical instruments — are handled. Items above this limit usually need to be individually specified. Away-from-home cover extends protection to belongings outside the property. Security features (alarm, deadbolts, Neighbourhood Watch area) attract discounts. Consider whether accidental damage cover is worthwhile — it adds meaningful cost but covers the most common causes of contents loss.
Important Information
This calculator is provided for general information and planning purposes only. It does not constitute financial or tax advice and should not be relied upon as such. Figures are indicative estimates based on simplified, publicly available criteria and stated assumptions. Actual results depend on your full circumstances. See our Disclaimer for further information.