Levels of cover
It isn’t compulsory to get contents insurance, however the cost of having to replace everything yourself could be very expensive if you weren’t insured.
Only you know the value of your contents. It can be time-consuming to take an inventory of everything you own and work out the total value, however it’s a worthwhile exercise if you want to get a representative home insurance quote.
It can be helpful to go room to room, making a list of the items within it and estimating a value for each if you don’t know or can’t remember what you paid for it initially. Remember that your contents includes everything that isn’t a part of the essential fabric of the building and isn’t limited to just the obvious items like a television or a laptop. Your bed, bed sheets, cupboard, lamps, curtains, chests of drawers and so on are all going to be included in your inventory.
If you don’t know the value of certain items because they may have changed over the years, then it may be a good idea to get them professionally valued.
If you have any individual items that have a high value then you should declare these when you complete your home insurance quote. We may offer cover for items worth more than £2,500 if they are listed as such.
Anything that is a part of the building rather than a possession wouldn’t be covered by contents insurance and instead would need to be covered by a buildings policy.
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Post Office Management Services Limited is authorised and regulated by the Financial Conduct Authority, and is registered in England and Wales. Our financial services registered number is 630318. The registered office for Post Office Management Services Limited is Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Our Registered Number is 08459718.