It's vital that you give an accurate estimate of the value of your possessions for your contents insurance. If you underestimate, your possessions may not all be covered when you make a claim. If you overestimate, you’ll be paying higher premiums than you need to. This may sound hard, but there are ways to make it work. Go through each room in the house and note down what's in it. Then use a mix of receipts for purchases or online prices to come up with an approximate figure of what the total contents would cost to replace. Insurers will usually specify an upper limit on the value for single items, which is generally set at £1,500. You don’t need to list any items that are worth less than this, but items that you think are worth more, such as art or jewellery, will need to be specifically mentioned. Additional types of cover are also available if you need them, including:  Personal possessions cover: Covers your belongings when you bring them with you away from home. For example, if you lose your laptop or phone while you were out you could claim on your household contents cover Accidental damage: This pays to repair or replace possessions damaged by accident – for instance if you or a guest knock them over