I've cracked it - from now on I'll hand my broker a DVD tour of my home and contents and he can work it out from that. I don't care if my policy is 100 or 500 I just want it to be right in the future. The garage was part of the house structure. How did the broker know Stifster? - I'm renting a fully furnished house which he knew - where else would I put my personal contents - out in a field? This boils down to communication I feel - maybe I could have told him more about my situation, maybe he could have asked more pertinent questions before reccomending a specific policy........