Dave
There are now a number of Insurers who will actually send out a valuator who will value the property contents, and provide a detailed inventory. That is used as the sum insured, and claims are then surted out with no hassle.
The alternative is to complete an inventory form - like the attached - yourself, using new replacement values. It is fairly accurate if you do it properly.
Most people are between 35% and 65% UNDER insured - it is frightening how people under-estimate!
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