How Much Do You Think Your ENTIRE Home Contents Should Be Insured For?

[Visitor7]

Not crazy at all, it's the smart thing to do You can download a blank home contents calculator off most of the insurance websites to give you a start. That's how we got started. When we first did this (which is when we bought our house 4 years ago) we went through every room and valued all the items. It's surprising the amount of things you wouldn't normally insure unless you open every cupboard. Perfume, household electrical items (blender, food processor, vacuum cleaner etc).
When we had DD1, we did it all over again as there were quite a few new items and we wanted to also make sure the value we put on items was still reasonable.

[Bathsheba]

Ah yes, that reminds me... at least we have quite a few items that are baby related that would be sad if they got destroyed but we wouldn't replace because our baby making days are over: the cot, highchair, port-a-cot, change table, baby toys, clothes, etc. So those items are not going on our list. I have though added a few items that we are thinking of getting (kind of to replace the cost of the baby stuff) eg i put a bed-side table for my 3yo on the list because he will need one... we'll be buying one quite soon.

[HotI]

Good point about where to keep the list. If the house burns, you don't want to lose the list as well.

When i was doing my Masters, i would e-mail myself my thesis once a week (or more often if i was writing a lot) so i would be able to access it from wherever if something happened to my computer, memory devices or whatever. As long as you remember where it is kept (what e-mail address, what folder), cyber space is always a good option.