The Post Office encourages fashion lovers to check they have adequate levels of home insurance cover

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Underestimating the value of wardrobe contents could affect the outcome of a home insurance claim

A new study into the value of wardrobe contents has found that the contents of a woman's wardrobe are worth around £7,000. However, estimates show that most women would value their clothing at £3,500, half of what the contents are actually worth.

In light of this research, Post Office Home Insurance is reminding women to ensure they have appropriate home insurance cover to protect their belongings.

Post Office Home Insurance advises people to assess the details of their home insurance policy carefully. For example, most home insurance providers offer cover on a 'new for old' basis, which means the value should reflect the cost of replacing an item with a new version .

Post Office Home Insurance also advises policy holders to ensure they keep a detailed an inventory as possible of items in their wardrobe. Valuations of expensive clothes and taking photographs of unusual or specific items could also assist in calculating the value of clothes in case of a home insurance claim.

Additionally, Post Office Home Insurance recommends that people check to see if their home insurance policy has a single item limit. If a limit applies, valuable items such as jewellery may need to be specified separately when taking out the policy in order to be covered by home insurance.


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