Some policies - both buildings and contents - set the level of the premium according to the number of bedrooms in the house. If a room-based policy has no limit on what you can claim, you should be covered. But some room-based policies do have limits on the cover. Check whether there is a maximum amount of cover and whether your policy would cover the full rebuilding cost in the event of the ultimate disaster (buildings) or the full replacement cost of your possessions (contents).

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