You must insure your home and contents for the full replacement costs, otherwise any claim may not be paid in full.

For Buildings this means the cost of rebuilding your home (including garages, outbuildings, garden walls, paths, etc.) plus another 12.5% for professional fees (e.g. architects and surveyors) which would incure in the course of rebuilding. The link below will help you calculate rebuilding costs.

www.bcis.co.uk

For contents it means the full cost of replacing all the contents of your home at their current replacement cost as new. apart from clothing, linen, toys and sports equipment which are insured only for their value after a deduction for wear and tear.

If you need any assistance in calculation your sums insured for any aspect of the cover being requested then please do not hesitate to contact us so we can assist.