Homeowner should carry out annual reviews of their home contents and insure their provider of any changes they have made, a leading industry body has advised.

Graeme Trudgill, technical services manager at the British Insurance Brokers Association (BIBA), says that contents insurance increases often won't affect premiums in a dramatic fashion.

You must review [contents insurance] continually. Quite often, if it's gone up a couple of thousand pounds it won't really affect your premium anyway," he commented.

"Within your sums insured there will be a limit on the amount of valuables that you can have [insured] – it might be a percentage or a fixed amount … Valuables are things like jewellery, money, furs, paintings, photographic equipment.

"You do need to think: 'What do all my valuables add up to?', because if they're over the amount that can be returned on the policy then you need to get that changed."

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