How do I arrange insurance for my belongings at home?

Prepare an inventory of your furniture, appliances, electronics, clothing and other possessions, and estimate their replacement value. Keep photographs, receipts and serial numbers where available. Declare valuable items separately where required, as jewellery, watches and portable belongings may need additional cover or have individual limits.

Compare quotations using the same insured values. Check covered events, accidental damage, water damage, theft conditions, excesses and exclusions. Ask whether the policy includes tenant’s liability and temporary accommodation if an insured event makes your home uninhabitable. Confirm whether settlement is based on replacement cost or depreciated value.

Provide accurate property and occupancy details, including any shared accommodation or extended periods away. Agree the policy start date, read the schedule and wording, and confirm how to report a claim. Check moving and storage cover separately rather than assuming your home policy includes them.