Sometimes people have valuable items that are not covered by their standard household policies, yet they are not of high enough value to necessitate a High Net Worth policy. Studies in the last few years have shown that there are many people categorised as a Mid Net Household who are underinsured with a standard household policy.
When arranging household insurance, many people combine all of their contents but forget to check if they are all in fact covered. There may be items in your house that are not typically covered by a standard household policy may not cover them: