Level of buildings and contents cover on a 4 bedroom semi value approx £275000

Aretnap

rs65 wrote: »

You will be surprised how much everything you own adds up to. Remember its not today's value - its today's replacement cost.

And also remember that the sum insured has to include all the house's contents, whether you'd actually be bothered about replacing them or not. That means factoring in the cost of replacing all the old clothes at the back of the wardrobe, all the DVDs you haven't watched for years and all the junk in the loft with equivalent new stuff.

Obviously I don't know how much you'd need to insure your own contents for - but I can more or less guarantee it will be more than your first guess was.