Home Contents Calculator
by Legal & General home insurance

Use the form below to calculate the value of your home contents.

1. Living area

No need to include fixed items – things like laminate flooring and light fittings – cover is normally provided for these under buildings insurance.

If you want to cover items when they're outside of the home, things like laptops, mobiles and MP3 players, you'll need to add personal possessions cover.

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2. Dining room

Don’t worry about things like laminate flooring and light fittings – fixed items - cover is normally provided for these under buildings insurance.

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3. Kitchen

Make sure you include the cost of replacing frozen food. We cover the contents of your freezer up to a total value of £1000.

No need to include fixed items such as fitted kitchen units and built-in ovens and cookers – cover is normally provided for these under buildings insurance.

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4. Bedrooms

You don’t need to include fitted wardrobes, laminate flooring, light fittings and any other fixed items – cover is normally provided for these under buildings insurance.

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5. Bathrooms

No need to include fixed items such as bathroom suites – cover is normally provided for these under buildings insurance.

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6. Valuables

This room shows items that we class as ‘high risk’. We cover high-risk items up to a total value of 33% of your sum insured (minimum £14,000). Individual items of jewellery (a pair or a single set) we cover up to a value of 5% of your sum insured.

To cover high-risk items away from the home – your jewellery or watches for example – you'll need to add personal possessions cover.

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7. Other areas

Don't leave out items stored in other rooms of the house (or in storage areas), such as the study, cellar, attic, conservatory, hallway or landing.

Make sure you take account of every room in the house.

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8. Outside your home

Make sure you include things stored in your shed and garage. Our policy covers you for theft from outbuildings up to a total value of 10% of your sum insured. (minimum £5,000)

Also include the things you leave out in the open, such as garden ornaments or furniture, as long as they are within the boundaries of your home. We cover these items up to a total value of £1,000. We also cover plants in the garden (in pots and containers) up to £1,000 against fire vandalism, theft and collision.

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