Home and content insurance provides you with replacement value for both your home and your personal property inside the home, in case of loss or damage. When you make a home insurance comparison, the valuation information you provide determines the sum insured for the policies you are comparing. While it would be unwise to drastically overestimate and pay for insurance you don’t need, it would be equally unwise to underinsure your property. This home contents calculator helps you to create a property valuation you can use to make sure your sum insured is enough to actually replace items lost or damaged.
Although the calculator asks for a general characterization of the quality of your home and its contents, it’s important to understand that you need to make note of any contents in your home that are above the value level of that characterization. For example, if your home’s contents are, overall, in the “quality” category, but you have certain items that fall into the “premium” value range, it’s critical that you list them and their values specifically. Think about jewellery, camera equipment, computers, collectibles, artwork, musical instruments, tools, exceptionally large collections of CDs, DVDs or books, or rare items, such as first editions.
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