Home contents include all movable items inside your property — furniture, appliances, electronics, clothing, kitchenware, jewellery, and personal items. Fixed structures like built-in cupboards and kitchen counters are typically covered under building insurance, not contents.

Standard contents policies cover items inside your home. For items taken outside — like a laptop at a coffee shop or jewellery on holiday — you typically need an "all-risk" or portable possessions extension on your policy.

Walk through each room and estimate the replacement cost of every item — furniture, appliances, electronics, clothing, and valuables. Use current retail replacement prices, not depreciated values. This total should be your minimum contents sum insured. Under-insurance will result in partial payouts.