There is no set cost for contents insurance, as many factors unique to your circumstances can change how much you pay for your policy. As an example, just some of the variables that can alter premiums include:

• Where you live. Your postcode will help your policy holder determine your premiums based on such things as whether your home is in a flood risk area, or one with high crime rates.

• The age of your home

• The type of house you live in. Those that attract higher premiums include those built with a timber frame or thatched roof, or if it’s a listed property or located in a conservation area.

• The policy itself – not all cover is the same!