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Home Contents Values

On average, homeowner's contents represent 20% of the value of the home. Typical contents that people under estimate the value of our clothes (including shoes, handbags, and accessories) which are estimated to be a minimum of £10,000 per person of 30+ years. Items that people often miss are curtains/blinds, carpets and rugs as they tend to be looking for objects. These alone tend to carry a minimum valuation of £20,000 in homes over £250,000 value. Some paintings and limited edition prints may stay the same value, but others can increase substantially. It only takes a few minutes to get an updated valuation from your gallery or a website.

It is also a common trait for people to estimate the value of contents on their current value and assets such as furniture are worth a small percentage of their original purchase cost. However, insurance policies value assets on their new replacement cost.

Listed below is an breakdown of contents for a £375,000 house consisting of 1 adult male, 1 adult female, 1 child under 10 years old and 1 child over 10 years old.

Item Typical
Furniture £15,000
Carpets £7,500
Curtains £7,500
Electrical Items £3,000
Clothes: Professional wardrobes Male: £7,500 Female:£10,000
Children's Clothes (Per Child): Under 10yrs: £1,000 Over 10yrs: £2,000
Ornaments, Mirrors, Pictures and Frames £2,500
Children's Effects (Per Child) £2,000
Crockery/Glass £1,500
Rugs £1,500
Light Fittings £1,000
Books, CD's, DVD's £1,000
Garage £750
Home computers, Peripherals and Media £4,000
Sports Equipment £750
Utilities and Appliances £2,000
Wine and other Drinks £1,000
Everyday Essentials £3,500
Total £75,000

The readyclaim system keeps you updated on your total contents value. Specified assets are added to our contents value page automatically. You can then simply add values for general items such as crockery, cutlery and small electrical appliances.

Screenshot of insurance calculator