I have just arranged new H&C insurance as we have just moved. We have gone with GIO and so far I have been very happy with their premiums, their terms and conditions and there service. I have not made a claim through GIO, so can't comment on the claims process.

I tried using all the calculators but honestly, it was driving me nuts to go through and list every last thing. In the end, I asked the consultant what the average family of 5 insures for contents. She told me the average was about $100K. I have insured our contents for $150K as we have a lot of stuff, including some expensive items. I have insured my jewellery (sp?) on top of that ($70K of jewellery was only an extra $8 or so a month).

Not the most technical method of working out our contents, but I'm comfortable with it!!

Tanstar, $139K is huge! I got numerous quotes and most companies wouldn't even insure us for more than $150K contents unless we had a back to base alarm and bars on the windows. Apparently, more than $120K is a large amount to insure??