Home Insurance Calculator

Estimate the buildings rebuild cost and contents value for your home to make sure you have the right level of cover. This calculator uses UK average rebuild costs from BCIS data.

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Full Estimate Calculate rebuild cost and contents cover step by step Quick Check I already know my rebuild cost and contents value

Property Type

Number of Bedrooms

Internal Floor Area

m²

Estimated Contents Value

Rebuild Cost

Contents Value

High-Value Items (over £1,500 each)

Index-Linking Rate

Your estimated cover requirement

buildings + contents

Buildings Cover

Contents Cover

Total Cover Needed

Year 1

Buildings Cover Contents Cover

Projected cover values assuming % annual index-linking. Actual increases depend on your insurer and the index they use.

Year	Buildings	Contents	Total

The rebuild cost is an estimate based on UK average figures from BCIS (Building Cost Information Service). Regional costs vary significantly - London can be 25–40% higher than northern regions.

Items worth over £1,500 typically need to be listed individually on your policy as "specified items." Check your insurer's single article limit - it varies from £1,000 to £3,000 depending on the policy.

Buildings cover (rebuild cost): Calculated as your internal floor area multiplied by a cost-per-square-metre figure based on your property type. These figures include demolition, site clearance, professional fees (architect, surveyor), and construction costs. They are UK averages from BCIS data - actual costs vary by region, age, and specification of the property.

Contents cover: The total "new for old" replacement cost of your personal belongings. This is what it would cost to buy everything again new, not what you paid or what it's worth second-hand.

High-value items: Added to your contents total. Most policies have a "single article limit" (typically £1,500) - items above this must be specified individually. This affects your premium and may require valuations.

Index-linking: Most policies increase your sum insured each year to keep pace with rising costs. Buildings cover is typically linked to the BCIS House Rebuilding Cost Index (currently around 3–4% per year). Contents cover is usually linked to RPI or CPI.

These figures are estimates. Always check with your insurer or broker to make sure you have adequate cover.

Your Home Insurance Cover Estimate

buildings + contents = total

Buildings Cover

Contents Cover

Year	Buildings	Contents	Total

Estimates based on 2025 UK average BCIS data. www.moneyhelpdesk.com

Need help finding the right cover?

A specialist insurance broker can help you find the right policy and make sure you're not over- or under-insured.

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