a few years ago having nothing better to do with my time I thought I would start a spreadsheet laying down all I could that was in the house and what it cost me to buy it and have kept it up ever since adding to it as I purchase stuff.
I was absolutely gobsmacked at how much everything came to…so far it is just over £180,000.
To be fair that does include my large LP, CD, DVD, BLU RAY collection and woodworking hand tools and machinery. Now I know now if I were to replace much of what is on the list some would probably cost less than what I paid for the original, but I could only go by what I originally paid. Also, whilst I went round every room in the house I did not include carpets, curtains, blinds or clothes. The spreadsheet is by no means exhaustive as there are many things I just coudn’t value…plates, cups cutlery, picture frames etc to name just a few.
When I was looking at insurance and many said contents ‘new for old’ I found there was actually a limit on the amount that actually meant, and it nowhere near covered my contents. The insurance cover I now have says buildings and contents ‘Unlimited’ and when I checked with them, that is exactly what it is. No limit. So, hopefully if ever I need it having the spreadsheet and photos on a seperate fob which I take with me wherever I go when leaving the house will suffice. 🤞 Thinking about it, perhaps I should also keep a copy in the cloud too in case something happens to me and the fob is destroyed as well… bugger!