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Contents insurance calculator

Work out the value of your contents the easy way

The average value of a home's contents is £45,000-£50,000*. But the actual amount of contents insurance cover you need depends on how much you own and how valuable it all is.

Getting the right amount of home insurance is important. Take out too little, and your policy may not pay out enough to replace your possessions if disaster strikes. But overestimate, and you could be paying for cover you don’t need.

This is where our contents insurance calculator can help. Fill in the fields and it’ll quickly calculate how much cover you need. Once you’ve decided on an amount, get a quote to compare deals and find the best policy for you.

^*Based on Confused.com data, September - November 2025.

Matthew Harwood, Home & lifestyle insurance expert at Confused.com

Reviewed by Matthew Harwood Home & lifestyle insurance expert 4 min read | Published 16/01/2026

Our expert panel review all content. Learn more about our editorial standards and how we operate.

Ready to get a contents insurance quote?

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Let's calculate the value of your contents

Tell us the value of items in your living room that you need cover for

Sofa(s)

Please enter a valid number

Other furniture

Please enter a valid number

TV and other electrical items

Please enter a valid number

DVDs, video games and books

Please enter a valid number

Carpets, curtains and soft furnishings

Please enter a valid number

Pictures and ornaments

Please enter a valid number

Tell us the value of items in your kitchen that you need cover for

Fridge freezer

Please enter a valid number

Oven and cooker

Please enter a valid number

Microwave, toaster and other electricals

Please enter a valid number

Pots, pans and utensils

Please enter a valid number

Crockery, cutlery and glassware

Please enter a valid number

Washing machine and tumble dryer

Please enter a valid number

Tell us the value of items in your dining room that you need cover for

Table and chairs

Please enter a valid number

Other furniture

Please enter a valid number

Electricals

Please enter a valid number

Carpets, curtains and soft furnishings

Please enter a valid number

Pictures and ornaments

Please enter a valid number

Silverware

Please enter a valid number

Tell us the value of items in your bedroom(s) that you need cover for

Bed(s)

Please enter a valid number

Furniture

Please enter a valid number

Shoes and clothes

Please enter a valid number

Jewellery and watches

Please enter a valid number

Bedding, carpets and curtains

Please enter a valid number

TV and other electricals

Please enter a valid number

Tell us the value of items in your bathroom, garage and other rooms that you need cover for

Cabinets, shelving and mirrors

Please enter a valid number

Soft furnishings

Please enter a valid number

Electricals

Please enter a valid number

Exercise equipment

Please enter a valid number

Toys

Please enter a valid number

Laptops and computers

Please enter a valid number

Tell us the value of items in your shed and garden that you need cover for

Outdoors gear

Please enter a valid number

Gardening equipment

Please enter a valid number

Tools

Please enter a valid number

Lawnmowers

Please enter a valid number

Garden furniture

Please enter a valid number

Toys

Please enter a valid number

Play equipment

Please enter a valid number

Results

Total contents value:

Now that you know how much your belongings are worth, you can compare quotes to find your best contents cover price.

Get a contents insurance quote

How much is contents insurance?

Average cost of contents insurance*:

£49

*Confused.com data September - November 2025.

According to our data, contents insurance costs £49* a year on average.

This is just an average though - so what you pay might be a little higher or lower.

Why? Because your quote is based on your personal ‘risk factors’. These are things insurers deem likely to increase your chance of making a claim.

They include things like:

Where you live
How much cover you’ve taken out
The type of home you live in
Your claims history
And much more.

Tip: To see exactly how much you’ll pay for your cover, get a quote now. It’s quick, easy and free.

How can I get cheaper cover?

There are a few ways to get a cheaper contents insurance quote:

Pay annually instead of monthly

While it can be convenient to pay monthly, paying annually for your cover is often far cheaper. In fact, our data shows that paying annually could save you up to 5%** on your contents insurance.

Upgrade your home’s security

These reduce your risk of being burgled. And the lower your risk, the lower your insurance costs could be. Burglar alarms, secure locks and CCTV cameras are all great ways of improving your home’s security.

Insure yourself for the right amount

Taking out too much cover means you’re paying for insurance you don’t need. As an example, the average policy price for £35,000-£40,000 of cover is £48. But for £40,000-£45,000 of cover it’s £51**. So getting it right could help you save.

**Based on Confused.com data, September - November 2025.