The single article limit is the maximum value that any one item can be worth before it needs to be added individually to the policy. What that limit is will depend on the policy, and it can vary from £1,000 all the way up to £15,000. So, for example, if the single article limit on your policy was £1,500 and your engagement ring was worth twice that, you’d need to tell your insurance provider (and probably pay a bit more to get it insured).
Also, think about things like new sofas, beds or even a wedding dress. You’ll want to protect all of these, so make sure your policy reflects the item’s value.
But it’s not just the stuff inside your home. Have there been any external upgrades to your house – a conversion or an extension? Physical changes to your home will also need to be taken into account. On a more personal note, if you’ve had a child or even got a dog or a cat in the past year, you should let your insurance provider know so they can update your policy accordingly.