What to include in the estimate
When you estimate the value of your home contents you need to consider all your possessions, not just the more valuable items that might be taken in a burglary. Some of your home contents are unlikely to be stolen, but they could be completely destroyed by incidents like fire and flood damage.
In fact, the only things you don’t need to include in the estimate are the fixtures and fittings that are covered under buildings insurance. Fixtures and fittings include the walls, windows and roofs of your property, plus anything that’s secured in place to the walls or floor, such as fitted wardrobes, the kitchen and bathroom suites.
You will need to include curtains and carpets as these are usually covered by your contents insurance, rather than buildings insurance.