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.
Last reviewed:
Reviewed by Kaiser Khan
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.
Primary source: abi.org.uk/products-and-issues/choosing-the-right-insurance/home-insurance
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