Home insurance - Is the contents cover sufficient?

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Based on resolver’s experience to date, when looking for contents cover you should think about all your belongings within your home and how much it would cost to replace each item new today.

Go through each room of your home and record all your contents with the current value. Having an inventory of your home contents will help you enormously in the event of any claim. You should make sure that your sum insured is sufficient to replace all the contents as new at current prices, with no allowance for depreciation and wear and tear. Your insurer will suggest a minimum sum insured based on the details you provide but if the figure they suggest is not sufficient you should choose a higher sum insured.

‘Valuables’ are items composed of precious metal or precious stones, jewellery, watches, furs, curios and works of art, computer equipment, money or portable electrical equipment other than televisions or radios, and these need to be specified on your insurance certificate in order to be covered up to a certain amount – bear in mind that this will increase your premium. In order to add these you should contact your insurer in writing and ask to have these items added to your policy (some online home insurance policies may allow you to add items online).

Some contents insurance policies cover outdoor structures like sheds, garages, gazebos and greenhouses (check your policy small print to see if you’re covered). Be aware that if your home insurance policy does indeed cover outbuildings, you may have to upgrade the contents insurance to cover specific valuable items such as expensive tools or an expensive bicycle. Once again, check your policy small print or contact the insurer to see whether you need to extend the cover. resolver recommends that you submit your concern in writing, and resolver can assist you in submitting, recording and reminding you when and who to escalate to.

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If you can't resolve your issue within 8 weeks of making your complaint (or if you've received a 'deadlock letter' or final decision from the company), you can escalate your case to the Ombudsman.

Your complaint has to be less than 9 months old to be escalated to the Ombudsman.

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