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Home insurance: how much content insurance for 5 bed

9 replies

Runningupthehillagain · 05/01/2026 22:24

I need some guidance on how much to insure our content for. I have an idea and I know the rules of thumb but just out of curiosity, how much do you have your home content insured for if you live in a five bed house?

OP posts:
Defiantly41 · 05/01/2026 23:19

Have a go at this calculator for an idea https://www.aviva.co.uk/insurance/home-products/home-insurance/contents-insurance-calculator/?source=GP32&cmp=ppc-hom-prd-goo-GP32&gclsrc=aw.ds&gad_source=1&gad_campaignid=17771420&gbraid=0AAAAADz1xWuskAj9CKDerI5EfupeO6vMB&gclid=CjwKCAiA3-3KBhBiEiwA2x7FdK4g2rcexWKVQK21iMuMU3Ff6XPCxP84d_P2hsemUcdAFw-C4lzoqRoCXS4QAvD_BwE

but basically you need to go room by room and estimate what it would cost to replace with new items. Don’t forget things like clothes, perfume, handbags, sports equipment, you will likely be shocked!

Runningupthehillagain · 05/01/2026 23:37

Defiantly41 · 05/01/2026 23:19

Have a go at this calculator for an idea https://www.aviva.co.uk/insurance/home-products/home-insurance/contents-insurance-calculator/?source=GP32&cmp=ppc-hom-prd-goo-GP32&gclsrc=aw.ds&gad_source=1&gad_campaignid=17771420&gbraid=0AAAAADz1xWuskAj9CKDerI5EfupeO6vMB&gclid=CjwKCAiA3-3KBhBiEiwA2x7FdK4g2rcexWKVQK21iMuMU3Ff6XPCxP84d_P2hsemUcdAFw-C4lzoqRoCXS4QAvD_BwE

but basically you need to go room by room and estimate what it would cost to replace with new items. Don’t forget things like clothes, perfume, handbags, sports equipment, you will likely be shocked!

Thank you, I have done this. I just wanted to know how much others have covered their content for.

OP posts:
Mum5net · 05/01/2026 23:42

£100k for 4

Runningupthehillagain · 05/01/2026 23:45

As it happens, I used the Aviva app and it was spot on although our loss adjuster seems to think we need to double our contents. Luckily I still have receipts for big ticket items as we didn’t move in that long ago (including beds and carpets etc). Our very expensive sports equipment is covered separately.

OP posts:
purpleme12 · 06/01/2026 08:26

Everyone's contents value can be wildly different

Purlant · 06/01/2026 08:45

It depends on what you have in it. I know people in a two-bed flat whose contents would be way more than people in a 5 bed house!

purpleme12 · 06/01/2026 08:47

Exactly

Runningupthehillagain · 06/01/2026 12:24

Of course, but my question still stands for those happy to share.

OP posts:
squarepizza · 06/01/2026 12:27

About 30k for 4bed.

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