Home insurance calculators
Estimate your contents value, get a rough rebuild cost (which isn't the same as market value), and check whether you might be underinsured.
Contents Insurance Calculator
Build up an estimate of your home contents replacement value, room by room.
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Rebuild Cost Calculator
Get a rough estimate of your home's rebuild cost based on size, type, and region.
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Underinsurance Calculator
Check whether your sum insured may fall short and estimate the potential claims shortfall.
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Important: rebuild cost is not market value
Buildings insurance should be based on the rebuild cost — the cost to demolish and reconstruct your home — not what you could sell it for. Insuring for market value usually means over-insuring and paying a higher premium than necessary. In some cases (older or listed properties), rebuild cost can actually exceed market value. Read our guide to understand why.
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Frequently asked questions
Rebuild cost. Buildings insurance covers the cost to demolish and reconstruct your home — not what you could sell it for. Insuring for market value usually means over-insuring and paying a higher premium than necessary. In some cases (older or listed properties), rebuild cost can actually exceed market value.
If you are underinsured, many policies apply an average clause, which reduces your claim payout proportionally. For example, if your sum insured is 70% of the true value, the insurer may only pay 70% of any claim.
At least annually. Rebuild costs and the value of your contents change over time. A significant home improvement, extension, or major purchase should prompt an immediate review.
Yes — home insurance premiums are quoted inclusive of IPT at the standard rate of 12%. Use our IPT calculator to see how much of your premium is tax, or to add IPT to a net quote.