How do I calculate the value of my home contents?
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Tips for Buying Home and Contents Insurance
How do I calculate the value of my home contents?
What would a Home Insurance Policy consider to be valuable?
Will I need to consider Legal Expenses Insurance?
Ten Tips for buying Home and Contents Insurance
Walk from room to room, even including the loft/roof area, the garage and the shed. Write down each and every item of worth and what it would cost to replace every item, new, at today's prices.
Even with a 'replacement as new' policy, you should always deduct a bit from clothing and household linen values to allow for depreciation. A man's suit is usually deemed to have a life-cycle of around five years. Therefore, for every year you have owned a suit you should deduct one fifth of a new suit's purchase price.
Where it is difficult to establish the correct value of the item, for example with Antiques, an expert valuation should be considered especially if the item is really valuable. This will also avoid disputes with the insurance company if there is a claim.
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