When it comes to home content insurance, UK insurers do not necessarily consider the most expensive items in your home as the greatest risks.

All policies have a limit within the contents sum insured you have selected for Valuable Items. Insurers differ on what they consider valuable items but we have put together a list of the most popular items.

• Jewellery
• Pearls
• Gemstones
• Gold
• Silver or precious metal
• Pictures
• Works of art & curios
• Stamp or coin collections
• Business equipment
• Clocks & watches
• Cameras, camera equipment & binoculars

Typically the insurers will allow 25% of your total contents cover to be made up of valuables (the items above) Example Your contents cover is £40,000. 25% valuables limit is £10,000.

Also look out for single item limits within the overall valuables limits. Most insurers have a single item limit of £1,500 so any individual items or collections above this limit will need to be specified on your policy.