How much are your belongings worth?

Download the table from the menu on the right of this page. Using the table as a prompt, go from room to room writing down what you have.  You can customise the table by adding or removing rooms so that it fits your home perfectly.  

Make sure you check for:

Floor coverings: Rugs are normally covered, but carpets and laminated flooring usually need to be covered under buildings insurance.  If you have fitted your own flooring, rather than your landlord, you need to check that your policy covers ‘tenant improvements’.
Furniture: Includes tables, chairs, settees, cabinets, bookcases, kitchen units and beds.
Soft furnishings: For example, cushions and curtains and their fittings.
Electronics: Includes TVs, PCs, DVD players, satellite receivers, telephones and music systems.
Appliances: Includes cooker, fridge, washing machine, microwave, vacuum cleaners and heaters.
Eating and drinking: Includes utensils, cutlery, china, glasses, food and drink. Valuables: Includes jewellery, pictures, clocks, watches, cameras, ornaments.
Sport and leisure: Includes sports equipment, books, bikes, DVDs, toys and musical instruments.
Garden and DIY: Includes lawn furniture, mowers, ladders, tools, paint and fuel. Linen: Includes tablecloths, towels, and bedding.
Clothes: Includes shoes, coats and bags.  

Then find out how much it would cost to replace every item with one of similar quality, new, at today’s prices. The internet can be a very quick and useful way of working out how much things cost, but catalogues can be just as helpful. For things that are valuable and difficult to replace, such as antiques, you should get an expert valuation.