Don't underinsure your contents and possesions. Even old furntiure etc will be expensive to replace. Too many of us regret having miscalculated when it comes to having to buy new things and finding how much we should have insured for.

Go through each room and list what you have. Be realistic about the replacement costs.

For high value items, antiques etc Get an independent evaluation.

Be wary of "blanket cover" packages which some insurers offer. These are based on the number of rooms. You may end up paying more than necessary.

Shop around for better quotes than your lender's offering and you could save thousands.

Basically as with all types of insurance: don't underinsure, don't overinsure and only get insurance that's relevant to your needs.

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