If you carried out any home improvements recently it’s important to consider the extra value you may have added to your home and how it may affect your home insurance policy.

Making home additions or  improvements without adjusting your sum insured could mean your insurance cover falls behind the true cost of replacing your home.

You may have also accumulate more valuable home contents over Christmas so this is a great time of year to assess whether your belongings are properly covered.

Underinsurance may not seem like an issue if you only need to replace a stolen television, but it could be a big problem if you need to rebuild your home from the ground up and replace all its contents after a disaster, such as a fire. Without enough cover, you may end up with a shortfall at a time when you can least afford it.

Our online home insurance calculators can help you estimate the value of your building and contents to determine if you have the appropriate cover.