The single-article limit trap
Home contents policies usually cap any one item at a few thousand pounds, sometimes far less. Anything above that limit must be specified individually or it is simply not covered at full value.
Building an inventory
Insurers want evidence, not estimates. For each piece record the description, signatories, purchase date and price, current replacement value, a photograph and a scan of the certificate. Keep a copy off-site or in cloud storage.
Which value to insure at
Insure at retail replacement value — what it would cost to buy an equivalent piece today — not at what you originally paid. Values in this market move, so review the schedule every couple of years.
Need a straight answer on a specific piece?
Send photographs and we'll give you an honest opinion — whether you're buying, selling or simply curious. You can also visit us at 87 Princes Street, Southend-on-Sea, Tuesday to Saturday, 10am–4pm.