You should have enough cover to replace everything in your home, including items you take out with you.
A good approach is to walk through your home room by room and estimate the value of everything as per room (both visible and stored items). This includes:
Furniture, curtains, and rugs
Electronics (phones, laptops, TVs, etc.)
White goods, cutlery, crockery, pots & pans
Clothing, shoes, books, trinkets, and sports equipment
Think in terms of a worst-case scenario. What would it cost to replace everything today?
Important: Valuable items such as jewellery, watches, fine art, antiques, collectibles, and guns are not included in the general contents sum insured, these items are covered under a separate section of the same policy.