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Calculating your contents value

Working out how much to insure your contents for can be tricky. We want to make it as simple as possible.

Use our contents calculator
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Do you know how much you own?

When most people think about contents insurance, they think about big ticket items. But small things add up, fast. Furniture, your pots and pans, the clothes in your wardrobe – these could potentially be a third of your total contents.

We all own more than we think

Contents includes so many things we all take for granted. It’s only once all of these things are gone that we truly appreciate them. So you’ll want to insure all your contents so they can be replaced if something unexpected happens.

When should you review contents cover?

You can change how much your contents are insured for at any time via My Tower. It’s a good idea to review your possessions and update it annually, particularly if you've made an expensive purchase during that time.

Contents insurance policies may have limits for individual items. This means some items may need to be listed individually on your policy in order to be fully covered.

When you make a big purchase it's a good idea to check in with one of our team and they can help you make sure you've got the right cover.

You might want to consider increasing the value of your contents if you've bought:

  • a new bike, e-bike or e-scooter
  • jewellery (including engagement and wedding rings)
  • recreation equipment
  • new TV's or other big ticket appliances
  • any other expensive goods.

Estimate your contents the easy way

So how do you figure out how much all your contents are worth? Our contents calculator works by giving you a estimate based on the details you provide about your home and the people who live there.

Once it’s calculated your estimate, you can look through a room by room breakdown and make any edits to the items it’s included, as well as add any ‘special items’, such as an antique lounge set or a valuable engagement ring.

Step 1
Work it out

Use the calculator to help estimate the value of your contents.

Step 2
Consider if this is right for you

Review the estimate and take note of the amount.

Step 3
Start a quote

Start a quote and add the contents value amount.

Try the calculator now
Get a contents quote

Manage your sum insured in My Tower

You can update your house sum insured 24/7 through My Tower. Log in or register today.

Find out more

Looking for contents insurance?

One day you're dreaming of owning a home, the next day you've got one full of stuff to insure. Find out which cover is right for you.

Contents insurance

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