Contents Insurance Calculator
Instantly estimate how much contents insurance cover you need and your likely annual premium. Free, easy-to-use tool for UK homeowners and renters.
Estimate Your Contents Cover
Enter your property details, security measures, and cover preferences to get an instant estimate of your sum insured and likely annual premium.
Property & Cover Details
Enter your home and contents information
Cover Evaluation
Estimated sum insured and annual premium
Typical Contents Values
Average estimated contents replacement value by home size, useful as a starting point for your own sum insured.
| Home Size | Typical Contents Value |
|---|---|
| 1-Bedroom Flat | £20,000 – £25,000 |
| 2-Bedroom House / Flat | £30,000 – £35,000 |
| 3-Bedroom House | £40,000 – £45,000 |
| 4+ Bedroom House | £55,000+ |
Contents Insurance FAQ
Everything you need to know about estimating your contents cover.
Contents insurance covers the belongings inside your home, such as furniture, electronics, clothing, and appliances, against risks like theft, fire, and water damage. It does not cover the physical structure of the building, which is covered separately by buildings insurance.
The sum insured should reflect the total replacement cost of everything you own, room by room, including furniture, electronics, clothing, and valuables. Underestimating this figure can lead to reduced payouts under a rule called “average,” where insurers pay proportionally less on a claim if you are underinsured.
Premiums are influenced by your property type, location, security measures such as alarms and locks, the sum insured, any high-value items like jewellery, the excess you choose, and whether you add optional cover like accidental damage.
Accidental damage cover protects against unintentional mishaps, such as spilling wine on a carpet or dropping a television, which standard contents policies usually exclude. It is optional and increases the premium, so it is worth weighing the added cost against your household’s risk of accidents.