Make sure you have enough cover should the worst happen.
1Forgotten items: Everest, October 2020, https://www.everest.co.uk/double-glazing-windows/new-windows-cost/#:~:text=How%20much%20do%20new%20windows%20cost%3F%20(recap),being%20replaced%20in%20the%20property
2Renovations: Roof Windows 4 You, November 2019, https://www.roofwindows4you.co.uk/news/how-much-value-will-a-loft-conversion-add-to-my-property
3Family situation: YouGov, March 2020, https://yougov.co.uk/topics/education/articles-reports/2020/03/13/what-age-do-kids-get-phones-tablet-laptops-
Apple product prices as at 29/10/2020, iPhone 12 £799.00. iPad Air £579.00 https://www.apple.com/uk/
4Falling values: Artlyst, March 2020, https://www.artsy.net/article/artsy-editorial-art-market-2020-report
5Rising values: Office for National Statistics, January 2020, https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/consumerpriceinflation/january2020
Wardrobe costs based on the following items available from johnlewis.com, prices correct as at 29/10/2020.
Barbour Merino Cashmere Tartan Scarf, Classic Green/Blue, £39.95; Polo Ralph Lauren Wool Beanie Hat, Piper Navy, £39.00; Barbour Waxed Cotton Baseball Cap, One Size, Olive/Seasweed, £27.95; Reiss Roman Zip Neck Cotton Polo Shirt, £76.00; Barbour Tartan Pique Polo Shirt, £44.95; Polo Ralph Lauren Custom Slim Fit Mesh Polo Shirt, Haven Green, £68.00; Levi’s 501 Original Straight Jeans, One Wash, £56.00; Levi’s Slim Jeans, £68.00; Original Penguin Sticker Pete Cotton Blend Joggers, Rain Heather, £48.00; Kin Bengaline Wool Slim Fit Suit Trousers, Charcoal, £80.00; John Lewis & Partners Linen Regular Fit Suit Trousers, Navy, £69.00; John Lewis & Partners Linen Regular Fit Suit Jacket, Indigo Blue, £130.00; John Lewis & Partners Organic Cotton Trunks, Pack of 3, Black, £22.00; Paul Smith Plain Stripe Trunks, Pack of 3, Multi/White/Black, £36.00; Paul Smith Signature Stripe Socks Gift Set, Pack of 3, Multi, £45.00; Happy Socks Classic Socks Gift Box, One Size, Pack of 4, Multi, £34.95; John Lewis & Partners Organic Cotton Rich Heel and Toe Socks, Pack of 5, Black, £12.00; Kin Wool Blend Epsom Coat, Navy, £175.00; Kin Shower Resistant Short Puffer Jacket, Red Wine, £125.00; Kin Wool Rich Hooded Parka Coat, Navy, £175.00; John Lewis & Partners Cashmere Crew Neck Jumper, Yellow, £99.00; Barbour Fogle Wilderness Colliford Wool Knit, Navy, £119.00; Polo Ralph Lauren Pima Cotton Jumper, Hunter Navy, £98.00; GANT Cable Knit Jumper, Dark Navy, £88.00; Polo Ralph Lauren Regular Fit Shirt, Newport Navy, £85.00; Polo Ralph Lauren Long Sleeve Slim Fit Denim Shirt, Blue, £109.00; Barbour Wetheram Tartan Shirt, Seaweed Green, £51.96; Carhartt WIP Thorne Houndstooth Shirt, Dark Navy/Husky, £90.00; Polo Ralph Lauren Short Sleeve Custom Fit Crew Neck T-Shirt, New Heather Grey, £49.00; Levi’s Original T-Shirt, White, £18.00; Fred Perry Ringer Crew Neck T-Shirt, Black, £40.00; Timberland Stormbuck Waterproof Plain Toe Oxford Shoes, Dark Brown, £120.00; Ted Baker Thwally Leather Trainers, White, £109.00; The North Face Easy Short Sleeve T-Shirt, Black, £25.00; Polo Ralph Lauren Striped T-Shirt, Boat Navy/Garden Pink, £59.00; Fjällräven Logo T-Shirt, Ochre, £35.00; Jaeger Long Sleeve Breton Stripe T-Shirt, Navy, £49.00; Carhartt WIP Loony Script T-Shirt, White, £35.00; John Lewis & Partners Somersall Suede Loafers, Tobacco, £80.00; UGG Biltmore Waterproof Chelsea Boots, Military Sand, £130.00; Barbour Seaton Mariner T-Shirt, GY52 Grey, £34.95; BOSS Saturn Trainers, 001 Black, £159.00.
TOTAL = £3054.71
Kitchen costs based on the following items available from johnlewis.com, prices correct as at 29/10/2020.
Bosch KSV36NW3PG Freestanding Tall Larder Fridge, A ++ Energy Rating, 60cm Wide, White, £649.00; John Lewis & Partners Classic Pan Set, 5 Piece, £170.00; John Lewis & Partners Non-Stick Carbon Steel Roaster, £11.00; Eaziglide Neverstick Non-Stick Baking Tray, £22.00; John Lewis & Partners Kitchen Utensils, Set of 6, Black, £35.00; Joseph Joseph Nest Lock Airtight Storage Containers, Set of 5, Assorted, £35.00; Masterclass EdgeKeeper Filled Wooden Knife Block with Stainless Steel Knives, 5 Piece, £100.00; John Lewis & Partners Large Classic Chopping Board, FSC-Certified (Oak Wood), L42cm, £30.00; Joseph Joseph Editions Mixing Bowls & Measuring Cups Nest Set, 9 Pieces, Sky, £50.00; Salter Evo Kitchen Scale, 6kg, £20.00; John Lewis & Partners Butcher’s Stripe Double Oven Glove, Dark Blue, £18.00; John Lewis & Partners Butcher’s Stripe Tea Towels, Pack of 3, Dark Blue, £12.00; Magimix Power Blender, Satin, £199.00; John Lewis & Partners JLK093 1.7L Kettle, Silver, £25.00; Joseph Joseph Editions Wash and Drain Washing Up Bowl, Sky Blue, £32.00; John Lewis & Partners Simplicity 2-Slice Toaster, Stainless Steel, £45.00; Panasonic NN-E28JBMBPQ Microwave Oven, Black, £79.00; Nespresso Essenza Mini Coffee Machine, by KRUPS, Black, £89.99; Denby Imperial Blue Dinnerware Set, 12 Piece, £172.00; Royal Doulton 1815 Tapas Mugs, Assorted Brights, Set of 4, £31.00; John Lewis & Partners Arc Cutlery Set, 18 Piece/6 Place Settings, £100.00; John Lewis & Partners 2 Section Recycling Bin, 60L, Silver, £85.00; Le Creuset 3-Play Stainless Steel Non-Stick Frying Pans, Set of 2, £195.00; Le Creuset Stoneware Deep Square Oven Dish, 23cm, Deep Teal, £29.00; OXO Good Grips Salt and Pepper Mill Grinders, Set of 2, £45.00; Joseph Joseph 2-In-1 Measuring Jug, 1L, £15.00; Eaziglide Neverstick2 Pot 3-Tier Steamer Set, £115.00; Le Creuset 3-Ply Stainless Steel, Non-Stick Wok & Lid, 30cm, £139.00; Le Creuset Stoneware Square Oven Dish, Set of 2, Black, £57.00; Stoves Sterling 600G Freestanding Gas Cooker, £649.00; John Lewis & Partners Classic Wood Roll Top Bread Bin, W40cm, £38.00.
TOTAL = £3291.99