Contents Insurance is not compulsory but covers the belongings inside your home which can give you peace of mind that they are protected in case of theft, damage or loss.
To make sure you’re protected, it is important to have an accurate calculation of the value of your home’s contents.
The best way to value the contents of your home is to imagine turning your property upside down and anything that would fall out would be covered under Contents Insurance.
Go from room to room and list your possessions including furniture, appliances and jewellery. Then calculate the value of your possessions and add up to provide a total amount. You may need to research the value of these items which can be done by looking up the price of the item online or having the items professionally valued.
The value of some possessions may change over time and therefore it is important that you have an up-to-date estimate.
For high-value items, take photographs or videos which will serve as a visual record or what you own and can be used to help identify items in the event of a loss.
Once you have a list of your possessions make sure that you review this and add new possessions to your list and the value of your items is updated. This will mean the calculation of your home contents is as accurate as possible.
With a Uinsure Contents policy, we provide £75,000 of Contents Insurance as standard, with the option to increase this to £100,000 which provides peace of mind for those that need high cover limits. High-value items can be specified on a Uinsure policy up to £20,000 which means that any items worth over £1,000 are protected.
By following these tips, you can ensure that you have a comprehensive and accurate record of the contents of your home. This will make it easier to file a claim in the event of a loss and will help ensure that you receive fair compensation for your possessions.