Home Insurance Calculator

Our home insurance calculator estimates buildings and contents insurance costs. Most people undervalue their contents by 30-40% — leaving themselves underinsured after a claim.

Enter your property type, number of bedrooms, and either rebuild cost or property value. The rebuild cost — the structural replacement cost from scratch — is what matters for buildings insurance, not the market value. Rebuild costs can be lower or higher than market value depending on location and construction type. If you do not know the rebuild cost, find it in your mortgage survey or use the BCIS House Rebuilding Cost Calculator. For contents, estimate replacement values room by room at current prices. Claims history significantly increases premiums at renewal — consider whether small claims are worth making versus self-insuring. Security improvements (alarm, deadbolts, Neighbourhood Watch) attract discounts with most insurers and are worth quantifying before your next renewal.