The maximum amount that can be claimed for valuables is 20% of the sum insured, eg. if you take £20,000 contents cover then you can claim up to £4,000 of valuables,  up to 40% of entertainment equipment (TV’s, computers etc) can be claimed so on this example £8,000. If you insure items away from the home under the ‘all risks’ section then this brings those valuables out of the 20% rule.