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Underinsurance and sums insured

With an estimated £226 billion of contents in homes and flats either underinsured or not insured at all, and around 40% of UK businesses underinsured, it’s a significant problem. We’ve produced a library of articles which will help you understand what underinsurance is, what the consequences are, and how you can avoid it.

If you think you might be underinsured, please contact your account handler or call 020 8256 4901 to speak to one of our team.

31 July 2025

Outdated rebuild costs and the importance of a professional valuation

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04 December 2024

Contents underinsurance

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08 October 2024

Why now is the time to check the value of your gold

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08 August 2024

Unlimited buildings insurance policies

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01 June 2023

Why your home might be underinsured

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14 June 2021

What is a single article limit on a home insurance policy?

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10 June 2021

Using a mortgage valuation for your rebuild figure

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10 June 2021

Setting your own buildings sum insured

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08 June 2021

The Association of British Insurers' (ABI) Building Cost Information Service (BCIS) calculator

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Howden UK Brokers Limited is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.

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