The single item limit is the maximum amount your contents insurer will pay for one item, such as a laptop, bicycle or piece of jewellery, even if your overall contents cover is higher. Cheaper home insurance policies may have lower limits, so check whether valuable items need to be listed separately and whether accidental damage cover is included. Keep receipts, valuations or photographs where available, and make sure your contents sum insured reflects the cost of replacing everything. Your insurer can confirm the policy terms and any limits that apply to your belongings.