Contents Insurance Calculator

Our contents insurance calculator helps you total the replacement cost of everything in your home. The average UK household contents are worth £35,000-£55,000 — most people underestimate by 40%.

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.