Your contents sum insured is the total dollar amount your contents are covered for. It should be enough to replace all of your contents in the unlikely event of a total loss and is the maximum amount that can be paid to you if you need to replace your contents.
Your contents sum insured is noted on your policy schedule. You’re responsible for telling us the amount you would like to set as your sum insured when you take out a policy with us, and at each renewal. At renewal, your sum insured may include an adjustment for inflation, but it won't include any adjustments if, for example, you’ve made any new purchases. It’s important that you check your sum insured and let us know if any changes are required.
If you’re not sure what amount to set for your sum insured, you can use the free online contents calculator here to get an idea of how much cover you’ll need. It’s important to note that this calculator doesn’t provide financial advice and is a guide to help you estimate your sum insured only. You should make your own decision on whether the sum insured amount provided by the calculator is appropriate for your circumstances.