Plan a renewal
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Enter total premium, not a monthly instalment. For monthly payment plans, enter the amount per payment and the number of payments; the tool compares total annual cash cost. Verify whether interest or fees are included.
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Home contents replacement-value checklist
If you are renewing home contents insurance, estimate the cost to replace belongings at today's prices, not what you originally paid or their second-hand resale value. This checklist is not a quotation or cover guarantee.
- Living room: furniture, television, electronics and soft furnishings
- Kitchen: appliances, cookware and household equipment
- Bedrooms: clothing, furniture, jewellery and devices
- Bathroom, hallway and storage: toiletries, tools, bicycles and seasonal belongings
- Garden, shed or garage: check whether items are covered and under what limits
Check separately: valuables, single-item limits, belongings away from home, accidental damage, business equipment, policy excess and any exclusions. Avoid counting high-value items twice when calculating room totals. Keep photographs and receipts securely yourself; do not enter identifying information here.
Use the room-by-room estimate when reviewing the renewal tracker, and verify your insurer's policy definitions and limits.
Before you renew
- Check the policy wording, limits, exclusions and excesses, not just the premium.
- Confirm whether a new quote matches the cover you need and your circumstances.
- Check auto-renewal terms, cancellation notice and any fees directly with the insurer.
- Do not cancel existing cover until replacement cover is confirmed and starts when needed.
See how to check your renewal and MoneyHelper's insurance comparison guidance. No affiliate links or guaranteed savings.