How much contents cover do I need?

The amount of contents cover that you need is dependent upon the belongings that you own and want to cover as part of your contents insurance policy. When you take out contents insurance you will need to provide the insurer with an accurate idea of how much the items in your house are worth. Failure to do so could result in you being out of pocket if you make a claim.

A quote by Policy Expert, ‘the Association of British Insurers estimates that the average three bedroom family house in the UK contains items worth a total of £55,000’. This means that if the entire contents of your home was to be damaged by a flood and you only stated that your belongings were worth £20,000; a claim pay out may leave you short so it’s important to make sure your insurance policy reflects the true value of your contents . Most insurers have a ‘standard amount’ that they will insure you for, it is worth ensuring that this meets your needs.

With Dial Direct Contents Insurance you can choose the level of cover that is right for you.