Setting the sums to be insured on a Village Hall insurance policy is one of the most important tasks to be undertaken by a hall committee. It is essential that buildings and contents are not under-insured or there could be a problem in the event of a claim. The reason for this is that insurance policies usually contain an “Average Condition”. This means that any claim payment will be reduced by the proportion that the property is under-insured. Let us consider an example where the true replacement value of the contents of a Hall is £30,000, but the sum insured is only £20,000. In other words, it could be considered that only 2/3rds of the contents are being covered. If there were to be a
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