It's all too easy to underestimate the replacement cost of the general items in your home. Research shows that many people with art, antiques, musical instruments and valuable jewellery collections in their home are seriously under-insured on standard home insurance - in the event of a claim, the policy simply won't pay out, even after years of paying premiums.
Furthermore, many standard policies have restrictive conditions on alarms and safes - which may not suit your lifestyle. Your jewellery may be insured - but not as it lies on your dressing table after an evening out!
One of the key problem areas is the lack of time given to the assessment of the value of general belongings in the home. For example, did you know that the average wardrobe of clothes for a large family home will usually cost in excess of £25,000 to replace?
Many of our clients have valuable wine collections which need cover for domestic and warehouse storage and in transit. Wine is not only a pleasure but also a sound investment requiring proper protection.
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It only takes a short time to make an inventory of your household contents with the Home Contents Calculator.
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