Home Insurance Audit: Am I Underinsured?

Most people pick a sum insured once and never look again, then find a gap the day they need to claim. Give it your buildings and contents figures, your property type, and your high-value bits, and this checks them against typical UK guidance, flagging where you're short before an insurer does it for you.

I want to audit my current home insurance to check whether I am properly covered. My property is a {PROPERTY_TYPE} that I {TENURE} (own/rent). My current buildings sum insured is {BUILDINGS_SUM} and contents sum insured is {CONTENTS_SUM}. I have {HIGH_VALUE_ITEMS} that I consider high-value (e.g. jewellery, electronics, bikes). Review these figures against typical UK guidance and flag any gaps. Specifically: Is my buildings cover likely to reflect rebuild cost rather than market value? Am I covered for accidental damage, single items away from home, and home working equipment? What exclusions should I check in the small print? Give me a prioritised list of questions to ask my insurer.