Estimate the buildings rebuild cost and the contents sum insured for your UK home, with a typical premium benchmarked to ABI averages and the IPT included.
Enter your home's details
Pick the cover type and property; the rebuild and contents estimates update as you change area and bedrooms.
Rebuild figures are indicative builder-cost guidance — for a firm valuation use the BCIS/ABI rebuild calculator or a RICS survey. Premium benchmarked to ABI Q1 2026 averages (IPT-inclusive).
Typical premium: £375Indicative estimate, not a quote. Rebuild and contents figures are guidance; real premiums depend on postcode, security and claims. Everything is computed instantly in your browser.
Last updated: 13 July 2026 Source: ABI — Association of British Insurers
⚖︎ Results are for informational purposes and do not constitute tax advice. For specific situations, consult a licensed accountant or the relevant tax authority.
Buildings cover should equal the rebuild (reinstatement) cost — not the market value — estimated from floor area × cost per m² × region. Contents cover is the replacement value of your belongings:
A 90 m² semi-detached outside London: rebuild ≈ 90 × £2,000 = £180,000; a 3-bed contents band ≈ £40,000. Typical combined premium ≈ £375 (incl. 12% IPT).
It is not required by law, but buildings insurance is a standard condition of virtually every mortgage. Contents cover is always optional. Tenants usually only need contents; the freeholder insures the building.
The rebuild (reinstatement) cost is what it would take to demolish and rebuild your home to current standards, including fees and debris removal. It excludes land value, so it is usually lower than the market price — but for period or listed homes it can be higher. Check against the BCIS/ABI rebuild calculator.
Enough to replace all your belongings as new. Bedroom-rated policies set a fixed level by number of bedrooms (roughly £20k for 1 bed up to £65k for 5). High-value items like jewellery or bikes have single-article limits and must be specified separately.
Yes — Insurance Premium Tax at the standard 12% rate is already included in the price you are quoted. This calculator shows the IPT portion of a typical premium separately.