Home contents

Insurance calculator

Section of a house showing living room, kitchen, bathroom and bedroom.

Complete the journey through your house and we will help you calculate the right level of contents insurance cover.

Total value of contents in each area of a house
Living Area £0
Dining Area £0
Kitchen £0
Valuables £0
Bedrooms £0
Bathrooms £0
Other Areas £0
Outside £0
Start
Total £0
Living area

Fill in the value for the household items below, which can be found in the living areas of your home. If you do not have any particular items simply leave the value blank. When all the relevant item values have been added click the 'next room' button.

  • Sofas, chairs, bookcases and cabinets.
  • Curtains, blinds, cushions, rugs and carpets.
  • Phones, cameras, MP3 players.
  • TVs, DVD players, HiFi's, games consoles and satellite boxes
Dining area

Fill in the value for the household items below, which can be found in the dining area of your home. If you do not have any particular items simply leave the value blank. When all the relevant item values have been added click the 'next room' button.

  • Tables, chairs, sideboards & cabinets
  • Curtains, blinds, cushions, rugs, carpets
  • China, glasses and silverware
Kitchen

Fill in the value for the household items below, which can be found in your kitchen. If you do not have any particular items simply leave the value blank. When all the relevant item values have been added click the 'next room' button.

  • Table, chairs & freestanding units
  • Curtains, blinds, cushions, rugs, carpets
  • Microwaves, toasters and kettles
  • Crockery, glasses, cookware and cutlery
  • Fridge, freezer, washing machines
  • Freezer contents
  • Tvs & radio
Valuables

Fill in the value for the household valuable items below, which can be found in your home. If you do not have any particular items simply leave the value blank. When all the relevant item values have been added click the 'next room' button.

  • Items of value, pearls, necklaces, gold, silver etc
  • Include stamp and coin collections
  • Laptops, computers, software and data downloads
Bedrooms

Fill in the value for the household items below, which can be found in your bedrooms. If you do not have any particular items simply leave the value blank. When all the relevant item values have been added click the 'next room' button.

  • Curtains, blinds, cushions, rugs and carpets
  • TVs, DVD players, HiFi's, games consoles, satellite boxes
  • Include shoes and accessories
  • Beds, freestanding wardrobes, bedside tables, chest of drawers and chairs
  • Duvets, pillows and sheets
Bathrooms

Fill in the value for the household items below, which can be found in your bathrooms. If you do not have any particular items simply leave the value blank. When all the relevant item values have been added click the 'next room' button.

  • Cabinets and chairs
  • Including blinds
Other areas

Fill in the value for the household items below, which can be found in other areas of your home. If you do not have any particular items simply leave the value blank. When all the relevant item values have been added click the 'next room' button.

Outside

Fill in the value for the household items below, which can be found in the outside areas of your home. If you do not have any particular items simply leave the value blank. When all the relevant item values have been added click the 'summary' button to complete the calculation.

  • Chairs and benches
  • Plant pots and statues
  • Trampolines, swings etc
  • Tools, lawnmowers etc

Summary

Thank you for completing the home contents insurance calculator.

The value of your home contents is: £

N&P home insurance provides a very personal approach to finding the cover that's right for you, then go to our panel of 9 different insurance providers to find you the right price.

Call our team of experts today on 0845 606 2606 to be insured the right way.

Also, talk to our experts about combining your Buildings and Contents Insurance cover and save up to 20%

Get a quote today

TipsYou should really only consider items which can be removed from the home, so don't include things like wallpaper, paint, fireplaces etc.

TipsThere's no need to include fixed items such as flooring or light fittings but if you have children or pets it may be wise to add accidental damage to your policy to protect your furniture.

TipsFitted kitchens and built in appliances should be covered under your buildings insurance but make sure you include the cost of replacing frozen food. We cover the contents of your freezer up to the value of £1,000.

TipsMany insurers don't provide cover for items like antique furniture, pieces of art or statues under standard home contents policies. Some contents insurance policies have a 'Single Article Limit' that assumes that no single item covered by the policy is worth more than the amount stated. If you have personal possessions that exceed this amount, you will need to talk to your insurance company, or cover them under a specialist antique insurance policy.

TipsThere's no need to include any fitted wardrobes but 27% of people said they ignored clothes when totting up the value of their contents.

Spend a bit of time totting up the costs of replacing your items to make sure your full wardrobe is covered. That way, in the unfortunate event that you have to make a claim, you will have enough insurance cover to bring your wardrobe back to its fashionable best.

TipsThere's no need to include fixed items such as your bathroom suite as this should be covered by your buildings insurance but before carrying out any big DIY projects, such as installing a new bathroom, make sure you have accidental damage cover in place just in case anything goes wrong.

TipsRecalculate your insurance when you have a new conservatory. The conservatory is part of your home and would have cost quite a bit to build, decorate and furnish, so it does need to be considered when you are insuring the rest of your home.

Similarly, converting your attic or cellar will affect the building costs of your house, and this in turn may affect any future claim you may need to make against your buildings insurance.

TipsIn the UK we currently spend in excess of three billion pounds a year on our gardens including plants, equipment and the buildings that house them. The average shed contains £888 worth of property, but 24% of shed owners don’t even have a lock on the door.