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Written by Wesleyan

Top 10 most expensive items in your home

5 min read
Male and female couple sitting on a sofa smiling at each other

When you're insuring your home, it's important to know the value of its contents. 

Under-insuring your home is a great risk to many homeowners, which is why you need to make sure your most expensive items are included in your contents insurance. 

Here's our top ten list of the most common expensive items to include under your home insurance:

1. Furniture

The cost of furniture probably makes up the biggest percentage of a home’s insured items. With the price of a sofa ranging from a few hundred pounds to few thousand, it’s easy for the costs to add up as you furnish each room of your house.

2. Clothing

The average family has over £10,000 worth of clothing, making up a large percentage of overall insured items. Many of us often overlook our outfits when buying home insurance. It’s important to remember that designer clothes, handbags and shoes all add up. Not to mention the cost of buying your children new clothes every time they have a growth spurt.

3. Jewellery

When was the last time you had your jewellery valued? It can be easy to underestimate the value of your collection when it’s built up over the years, so it’s worth speaking to a professional to get an accurate picture for your insurance. 

4. Carpets, curtains and soft furnishings

Carpets, curtains, blinds and soft furnishings can vary quite a lot in price and shouldn’t be forgotten when looking at contents insurance. This is especially important for bespoke items made for your home, or high end or antique furniture.

5. Computers and electrical items

Whether you have an avid gamer in the family, or you love getting your hands on the latest gadgets, the cost of electronics doesn’t run cheap. Make sure you account for any computers, laptops, tablets, game consoles, cameras and phones. Don’t forget to include any smart technology you have around the house, including specialist sound systems or sophisticated lighting.

6. Sports equipment

If you have a home gym, bikes, golf clubs or even skiing equipment up in the attic, these can all count towards your contents insurance. You may have bought them years ago, but they can still hold a lot of value.

7. Garden tools and equipment and furniture 

Lawnmowers, tools and other garden related items are often expensive items and easy targets for thieves. Things like a hot tub or barbecue may be harder to steal, but they could get damaged, so make sure they’re included on your policy too.

8. Collections

Do you have a favourite hobby? Be mindful of any personal collections you have in your house, including artwork, coins, stamps or collectable toys.

9. Musical instruments

We’re not just talking about the karaoke machine you pull out at Christmas. If you or a member of the family plays a musical instrument, remember to include these in your home insurance.

10. Luxury crockery, cutlery and kitchen utensils

Luxury crockery, cutlery and kitchen utensils can often be overlooked when considering the value of contents in your home. Kitchen gadgets and quality tableware can add up to be surprisingly expensive.

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