Flip your house to find out if you are underinsured

All the items that would fall out if you had to turn your house upside down, are the items that have to be covered in your household contents insurance policy at the current replacement value. Thus, if you only include certain items in your policy, neglect to update the value of the items in your policy to reflect their current value, or forget to add new items you purchased since taking out the policy, then your insurer might not pay out the amount you need to replace all your items in the event of damage and loss. Here is an example of how you could be underinsured: