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By David Thomson It is only when you sit down and carefully itemise all of your personal possessions in your home that it begins to sink just how much of an investment they represent – or quite what a sum it would cost if you had to replace them all. It is surprising, therefore, how many people overlook the importance of home contents insurance and that amongst those who have taken the precaution of purchasing some form of cover remain nevertheless inadequately insured. So what are the risks that the contents of your home are exposed to?