To ask you how much you estimate the contents alone of your 3/4 bed house to be worth?

[AudTheDeepMinded]

Annual insurance renewal time and again asked this question. I literally have no clue. We are not a very gadgety family and buy a lot of things second hand. Is it supposed to cover fixtures and fittings? Current policy covers us for £65,000, which seems a lot to me. Interested to know what other peoples is if you care to share?

From memory, ours is £70 or £80k for a 4 bedroom house. A few years ago we went round each room and tried to put a value on how much it would costs to replace everything in that room. We were way underinsured. For example, we have hundreds of books and even at an average price of £4-5 each, it would be thousands to replace them all in a fire. It would be a few hundred just to replace the food in the freezer. It was really surprising how quickly it added up.

The automated quote renewal thingy says that average contents cost for a 4 bed is £33K, which is what had me wondering if we were over insured. But we too have a LOT of books. I mean, most of them were bought second hand but to replace them would probably cost a fair bit (not that sure i would be that devasated about DHs books though tbh!!).