Our combined buildings and contents insurance calculator estimates total cover for both your home structure and contents. Combined policies typically offer a 10-15% discount versus buying separately.
Buildings & Contents Insurance Calculator
Estimate the right level of buildings and contents cover for your home and see your combined premium range (2025 UK rates).
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Enter rebuild cost for buildings and total replacement value for contents. Buying buildings and contents from the same insurer typically attracts a combined discount of 5-15% and simplifies claims involving both (for example, a burst pipe damaging both the structure and furnishings). The rebuild cost is the structural replacement value rather than the market price — find this in your original mortgage survey, valuation report, or by using the BCIS House Rebuilding Cost calculator. Underinsurance is a genuine risk: if your sum insured is 80% of the true rebuild cost and you make a claim, insurers can apply the average clause, paying only 80% of the claim value. Review both sum insured figures each year and adjust for construction cost inflation.