# How much contents insurance do I need?

> Quick answer · Last updated 4 July 2026

Canonical HTML: https://moneyguide.org.uk/answers/how-much-contents-insurance-do-i-need/
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## In short

Enough to replace everything you own at today's prices — walk room by room and total furniture, clothes, tech, carpets and valuables. Typical UK contents sums range from £20,000 to £80,000 depending on household size.

Underinsurance triggers average-clause reductions on claims. Overestimating wastes premium but is safer than guessing low.

High-value items may need named limits above the single-item cap — often £1,500–£2,500 per item on standard policies.

Students and tenants still need contents cover — landlord insurance does not cover your belongings.

## Related

- [Contents-only insurance](https://moneyguide.org.uk/answers/what-is-contents-only-insurance/)
- [Buildings vs contents guide](https://moneyguide.org.uk/insurance/buildings-vs-contents-insurance-explained/)

## Primary source

abi.org.uk/products-and-issues/choosing-the-right-insurance/home-insurance

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.