Simply enter the estimated 'replacement' values (with the exception of clothing, footwear and cosmetics, which are covered up to their market value, allowing for wear and tear) for the items that are relevant to you and add the totals together to find out how much cover you require.
It's important you also read your Contents insurance policy carefully as some items have limited cover unless specified on your policy. To amend the amount of cover you require or to enquire about how to specify an item on your policy, just call us on 0800 500 213.
If you want to calculate your sum insured for contents in a rental property, please refer to the Landlord Contents policy document, as there is limited cover. Ensure you enter the market value of the items.