to replace all of your belongings and/or the cost of repairing or re-building your home in a worst case scenario. You need to insure the rebuild cost of your home rather than its market value. If you're not sure what it would cost to rebuild your home from scratch you can either use the calculator on the ABI website or enlist a surveyor. Don't just go for market value as it's actually likely to be less than this. If you are looking to insure a property over 1,000,000 you may need to look for a specialised high net worth policy -- you can compare these policies side by side in our High Net Worth Home Insurance table . 3. Find a policy that will protect your valuables Most contents insurance policies specify a 'single item claim limit' - this caps the amount you can claim for any one item. It's essential you get any valuables that exceed this limit listed individually on your home insurance policy - fail to do so and your home insurance won't pay out to replace them if they get lost, damaged or stolen. Think about all the valuables you own that are worth a comparatively significant amount (over 1,000 for instance) - jewellery, paintings, antiques, computer equipment etc - find out what they would cost to replace and make sure they're isted individually on your home insurance. 5. Don't get caught out by hidden ts and cs It can be surprisingly easy to invalidate your