BEDROOM RATED HOME CONTENTS INSURANCE COVER

Bedroom-rated policies base what you pay for your insurance on the number of bedrooms in your house.

This sort of insurance may not be available if your house has more than certain number of bedrooms (including those that you do not use as bedrooms – a storage room or office at the top of the house, for example).

If your house has 6 bedrooms or more we recommend visiting our specialist household and contents insurance brokers who will be able to find a cheaper deal for you through specialist underwiting markets.

• If a bedroom-rated policy offers unlimited cover, you do not need to know the total value of your possessions and there is no risk of you being under-insured. However, you may still need to calculate the replacement cost of high-risk items.

• If a bedroom-rated policy puts a limit on the amount you are insured for – e.g. £40,000 – you will still need to work out the total value of your possessions to see whether the policy’s limit will provide sufficient cover.