If you've ever been burgled or flood damaged, you'll know how important home insurance is. We all have valuables and expensive items at home we want to protect, from gadgets and jewellery to furniture and food.
It's important to understand what level of contents insurance is best. If you don't have enough, your policy won't pay to replace all your stuff after major flood, fire or burglary. But if you overdo it, you might overpay. Using our free home content value calculator, you can estimate the cover you're likely to need, based on what you own.
Easily figure out the value of your home contents
It can be a bit tricky to calculate an accurate value for everything in your home, especially considering all the domestic appliances, furniture, furnishings, personal belongings, and precious valuables. Thankfully our convenient contents insurance calculator helps you estimate how much cover you need.
Calculate the value of your contents
Contents insurance calculator
It’s easy to underestimate the value of all your household goods. Try our Calculator and see just how much contents cover you may need. Tick the boxes next to rooms in your home.
Good to know:
Estimate the value of your items if you had to buy them new, rather than the prices you paid. Our home insurance provides new-for-old cover for your contents.
How much does contents insurance cost?
We’ll figure out the price to insure your home contents by using a combination of factors including:
- Total value of all your possessions. It costs more to cover things that are more expensive to replace.
- Where you live. It's normal for the price to go up in areas with reports of higher crime rates
- The excess you’re willing to pay. You'll usually get a cheaper price if you pay more towards a claim.
- The type of property you live in. Fires and floods spread more easily in terraced houses and flats.
- Your claims history. The insurer might charge more if you've made lots of claims before
- The type of security you’ve got at home. A security system that meets your insurer's requirements might get you a lower rate. You should check with them first, though.
- Any add-ons you’ve chosen. For example, insuring products you take out of your home will push the price up.
Get a home insurance quote
We’ll offer you a price for home insurance once you’ve answered a few questions. We’ll ask:
- for information about you, like your name and address
- about the type of cover you want, and when you'd like it to start
- about any previous home contents claims you’ve made
- if you want to include any optional add-ons like accidental damage cover
- if you own any high-value or special items worth over £2,000.
Ready to get cover?
With Aviva Home Insurance you can choose Buildings, Contents or combined cover.
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