Most of us have things in our homes that are really important to us – as well as our family!

The true value may be sentimental, but if it is something made to measure (a set of golf clubs?), or a collection that has developed over time (racing bikes?), or something inherited (jewellery from Granny?), then the monetary value may not be covered by a standard home insurance policy.

Check the small print

Typical home insurance policies may have single item limits of £1,500, and total contents limits of £75,000. They may also specify that high value items have to be stored in the house not in a garage. Make sure you have read the Key Facts documents when buying home insurance, so you can be sure that the items that mean the most to you are covered.

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