This is the total value of all the possessions in your home, including any items in the garden. It doesn’t include fixtures or fittings such as walls, windows and fitted kitchen, which are covered by buildings insurance and don’t need to be included in your contents’ total.
To calculate the value of your contents you quite simply add up the value of all the items you’d take with you if you moved house, including carpets and curtains. This amount should be enough to cover all the contents in your home, including any valuables (high risk items) taken away from home or kept in your garage, shed or outbuildings. Use our contents calculator for guidance