What are your contents worth?
Enter what it would cost to replace each room's contents as new. The worksheet adds them up and checks them against your policy's limits.
What limits do insurers publish?
- Valuables in total: one third of the contents and belongings sums insured in GIG Gulf’s handbook, one third of the personal belongings sum insured in QIC’s 2016 wording, 50% of contents in Liva’s, unless your schedule says more.
- Any one item not listed: AED 40,000 in GIG Gulf’s handbook, AED 5,000 in QIC’s 2016 wording. Liva sets it in your schedule.
Worked example: rooms adding up to AED 180,000, with AED 30,000 of jewellery, on a sum insured of AED 150,000 with a one-third valuables limit. The sum insured is AED 30,000 short of the total, and the valuables limit is AED 50,000, so the jewellery fits within it.
A sum insured below the total can cut every claim. See under-insurance and jewellery and valuables.
Sources
- Home Comfort, policy handbook and terms and conditionsGIG Gulf. Read 12 November 2026.
- Home All Risks Insurance Policy WordingQIC. File uploaded January 2016. Read 12 November 2026.
- Home Insurance Policy WordingLiva Insurance. Version 3.0, 15 October 2026. Read 12 November 2026.