build/cont ins increase

tuttifruiti20

just had my renewal through and they've increased it by £125 since last year. On discussion with them, they seem to think that my high price (last year just over £520 now to go up to just over £640 is because I have chosen 'unlimited' as the cover value for the contents side of things. They recommended £50k - we're 2 people in a 3 bed house.

My questions are this..

Can anyone recommend any decent companys?

What do others think is a 'reasonable' figure to cover contents for? I just feel that if EVERYTHING was lost and we had to replace the lot - from clothing and cooking items to dvds, cds, furniture etc. it would come to over £50k. (Counted the dvds we own and that came to over 600 which at £7 each for replacement would be over £4,200 on it's own!)

VictorM_2

I see £40-50k to be about the average. It can be as little as £15k or as much as £300k though.

rs65

tuttifruiti20 wrote: »

What do others think is a 'reasonable' figure to cover contents for? I just feel that if EVERYTHING was lost and we had to replace the lot - from clothing and cooking items to dvds, cds, furniture etc. it would come to over £50k.

If you think its over £50k then you really need to find out what it is or go for the unlimited option. Unlimited on contents will narrow your available choice of insurer though.

If you spend a while getting a more precise sum insured you will get a more precise quote.

ACG

Nobody can give you a price as its dependent on where your house is, your ages, no claims etc etc.

One of the companies i use even ask what type of locks you have on the doors/windows.

You should probably speak to a broker. £640 does seem to be a little on the higher side. In saying that though i dont really do that much B&C insurance myself but i would be thinking closer to what your initial price was, but like i said it depends on so many factors.