Home insurance policies often cover high-value contents, but they may have a single-item limit unless you list specific possessions separately. You may need recent valuations, receipts or other proof of ownership, and should update these details if an item’s value changes. Check whether accidental damage, theft away from home and items kept in outbuildings are included, as these can require additional cover. Compare the policy wording carefully and confirm requirements with an FCA-authorised insurer or broker before choosing cover.