Home Contents Inventory Guide Your home and its contents are probably your most valuable assets and you need to be sure that they are adequately insured. This form has been designed to aid and assist you in compiling an accurate inventory and sum insured of your household contents. Whilst the list is fairly comprehensive, no two homes are the same and whilst some items may not be relevant to you, others may have been missed, so please feel free to amend the form to suit your own circumstances. Please note that the sums insured under your policy are the maximum amount we can pay when settling a claim. It is in your best interest to ensure that your sum insured is adequate to cover ALL of your contents if there should be a major catastrophe. Your policy will replace property as new. In the event of a claim, if your sum insured on your schedule is less than the cost of replacing all the contents as new, most insurers will only pay for part of the loss or damage. For example, if your actual contents replacement value is £100,000 and you only insure your contents for £50,000, then you have a claim for £10,000 - when it is discovered that the sums insured are inadequate an insurer will reduce the claim by the same percentage you are underinsured. In our example you are underinsured by 50% so they will only pay 50% of the claim, i.e. £5,000. Therefore, you clearly need to make sure that your sum insured adequately covers the cost of replacement of all your contents and personal possessions. The value of items such as jewellery, fine art & antiques often fluctuate independently of inflation. You should therefore regularly value these items to ensure that their full value is insured. Remember to keep your insurance up-to-date by informing us when new articles of any sort are acquired. The checklist on the following pages will help you to work out the total sum insured for your contents. The values should be calculated on a “NEW FOR OLD” basis, i.e. what it would cost you to replace the item with a new one of similar quality. This is a simple matter when it comes to valuing a washing machine or a television, but it can be difficult for Fine Art and Antiques. In this case, you should state the value you would expect to receive if the item was sold in a sale room, or the value as per an up-to-date valuation. In general terms, we require valuations to be provided for jewellery and watches with a single item value in excess of £5,000. For fine art and antiques a valuation is required for any single item with a value in excess of £7,500. Any valuations provided must have been carried out within the last 5 years. It is in your best interest to have items valued on a regular basis to ensure that full cover is maintained. For additional information on valuations we suggest you contact us.
Sitting Room/Drawing Room
Furniture
Soft Furnishings
Electrical
Decorative Items
General Contents
Fine Art/Antiques
Chairs
£
£
Sofas
£
£
Tables
£
£
Book Cases
£
£
Desks
£
£
Curtains
£
£
Carpets
£
£
Rugs
£
£
TV/Video/DVD
£
Stereo Systems
£
CD’s/Tapes/Records
£
Computer Equipment
£
Books
£
£
Lamps
£
£
Pictures
£
£
Gold, Silver, Plate, etc
£
£
Porcelain, Crystal, etc
£
£
Clocks, Barometers
£
£
Other
£
£
£
£
Sitting Room Totals
Dining Room
Furniture
Soft Furnishings
Electrical
Decorative Items
General Contents
Fine Art/Antiques
Chairs
£
£
Sofas
£
£
Tables
£
£
Book Cases
£
£
Desks
£
£
Curtains
£
£
Carpets
£
£
Rugs
£
£
TV/Video/DVD
£
Stereo Systems
£
CD’s/Tapes/Records
£
Computer Equipment
£
Books
£
£
Lamps
£
£
Pictures
£
£
Gold, Silver, Plate, etc
£
£
Porcelain, Crystal, etc
£
£
Clocks, Barometers
£
£
Other
£
£
£
£
Dining Room Totals
Study
Furniture
Soft Furnishings
Electrical
Decorative Items
Study Totals
General Contents
Fine Art/Antiques
Chairs
£
£
Sofas
£
£
Tables
£
£
Book Cases
£
£
Desks
£
£
Curtains
£
£
Carpets
£
£
Rugs
£
£
TV/Video/DVD
£
Stereo Systems
£
CD’s/Tapes/Records
£
Computer Equipment
£
Books
£
£
Lamps
£
£
Pictures
£
£
Gold, Silver, Plate, etc
£
£
Porcelain, Crystal, etc
£
£
Clocks, Barometers
£
£
Other
£
£
£
£
Hall, Stairs, Landing
Furniture
Soft Furnishings
Electrical
Decorative Items
General Contents
Fine Art/Antiques
Chairs
£
£
Sofas
£
£
Tables
£
£
Book Cases
£
£
Desks
£
£
Curtains
£
£
Carpets
£
£
Rugs
£
£
TV/Video/DVD
£
Stereo Systems
£
CD’s/Tapes/Records
£
Computer Equipment
£
Books
£
£
Lamps
£
£
Pictures
£
£
Gold, Silver, Plate, etc
£
£
Porcelain, Crystal, etc
£
£
Clocks, Barometers
£
£
Other
£
£
£
£
Hall, Stairs, Landing Totals
Master Bedroom
Furniture
Soft Furnishings
Electrical
Decorative Items
Personal
General Contents
Fine Art/Antiques
Chairs
£
£
Bed/Mattress
£
£
Dressing Table
£
£
Wardrobe/Book Case
£
£
Desk/Bedside Tables
£
£
Linen/Bedding/Quilts
£
£
Curtains
£
£
Carpets
£
£
Rugs
£
£
TV/Video/DVD
£
Stereo Systems
£
CD’s/Tapes/Records
£
Computer Equipment
£
Books, Lamps
£
£
Pictures
£
£
Gold, Silver, Plate, etc
£
£
Porcelain, Crystal, etc
£
£
Clocks, Barometers
£
£
Other
£
£
Clothes, Shoes, etc
£
£
Other
£
£
£
£
Master Bedroom Totals
Bedroom Number…… (Reprint as required)
Furniture
Soft Furnishings
Electrical
Decorative Items
Personal
General Contents
Fine Art/Antiques
Chairs
£
£
Bed/Mattress
£
£
Dressing Table
£
£
Wardrobe/Book Case
£
£
Desk/Bedside Tables
£
£
Linen/Bedding/Quilts
£
£
Curtains
£
£
Carpets
£
£
Rugs
£
£
TV/Video/DVD
£
Stereo Systems
£
CD’s/Tapes/Records
£
Computer Equipment
£
Books, Lamps
£
£
Pictures
£
£
Gold, Silver, Plate, etc
£
£
Porcelain, Crystal, etc
£
£
Clocks, Barometers
£
£
Other
£
£
Clothes, Shoes, etc
£
£
Other
£
£
£
£
Bedroom …… Totals
Kitchen & Utility & Bathrooms (Please note that fixtures in bathrooms, utility and kitchen units, built in ovens, hobs, etc., are covered under your ‘Buildings Sum Insured’ and should not be included here.)
Kitchen & Utility Kitchen
Utility
Furniture
Chairs & Tables Other furniture
£ £
£ £
Soft Furnishings
Curtains Floor coverings
£ £
£ £
Electrical
Cooker/Microwave Dryer Fridge/Freezer Dishwasher Washing Machine
£ £ £ £ £
£ £ £ £ £
Small Electrical
Kettle, Toaster, etc Percolator, Mixer, etc TV and Radio
£ £ £
£ £ £
General Items
Cooking Items Pots, Pans, Ovenware Everyday China, Glass Silverware Porcelain, Crystal, etc Clocks, Barometers Other
£ £ £ £ £ £ £
£ £ £ £ £ £ £
Perishables
Food, Drink, etc Wines, Spirits, etc Freezer Contents Other
£ £ £ £
£ £ £ £
£
£
Kitchen & Utility Totals
Bathrooms
Furniture
Bathroom One
Bathroom Two
Furniture
£
£
Floor Coverings
£
£
Linen
£
£
Other
£
£
£
£
Bathroom Totals
Jewellery Watches and Furs Total Sums Insured Required Antique and Investment Jewellery and Watches
£
Other Jewellery & Watches
£
Furs
£
Any items kept ONLY in a bank or safe deposit
£
Any items kept permanently in a safe within the home
£
Jewellery, Watches and Furs Total
£
Garden Equipment and Outdoor Items Garden Tools Mowers & Strimmers Ride on Mowers Quad Bikes Garden Furniture Barbeque & Grill Children’s play equipment Garden Ornaments Contents of Garage Others
£
Garden Equipment and Outdoor Items totals
£
£ £ £ £ £ £ £ £ £
Miscellaneous Items Stamp & Coin Collections Sports Equipment Hearing Aids Saddles and Tack Pedal Cycles Portable Computer Equipment Mobile Phones DIY Equipment Photographic Equipment Musical Instruments Contents of Loft Contents of Cellar Wines & Spirits & other alcoholic beverages Children’s Toys Guns kept in a gun safe Other
£
Miscellaneous Totals
£
£ £ £ £ £ £ £ £ £ £ £ £ £ £ £
Totals brought forward General Contents
Fine Art Antiques
Sitting Room
£
£
Dining Room
£
£
Study
£
£
Hall , Stairs & Landing
£
£
Master Bedroom
£
£
Bedroom One
£
£
Bedroom Two
£
£
Bedroom Three
£
£
Bedroom Four
£
£
Bedroom Five
£
£
Kitchen
£
£
Utility
£
£
Bathroom One
£
£
Bathroom Two
£
£
Jewellery Watches and Furs
£
£
Miscellaneous Items
£
£
Garden Equipment & Outdoor Items
£
£
Grand Total
£
£
