Help Centre / What items should I include in contents insurance?

What items should I include in contents insurance?

Deciding what items to include in your contents insurance is crucial for accurate coverage.

Consider the following guidelines:

Comprehensive Definition

Think of contents as everything you’d take when moving house, including carpets, curtains, and white goods like washing machines and dishwashers.

Thorough Inventory

Conduct a thorough assessment of your home, exploring rooms, garage, shed, and loft. Calculate the replacement cost for each item as if they were brand new.

Inclusive Categories

Include a diverse range of items such as furniture, jewellery, electronics, clothing, and more. This ensures a comprehensive representation of your belongings.


Accurate estimation is crucial. Underestimating the value of your contents might result in a lower payout during a claim. Take the time to assess and calculate replacement costs diligently.

Understanding the breadth of what should be included in your contents insurance ensures that your policy reflects the true value of your possessions, providing adequate coverage for various scenarios.

Intelligent Insurance encourages a meticulous approach to ensure your peace of mind in the event of a claim.

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