Estimate buildings and contents cover needs, monthly premium cost and the excess payable on a claim.
This is a planning estimate, not an insurance quote. Insurers set premiums and policy limits using property, location, claims, security and underwriting information.
How to use the Home Insurance Calculator UK
Enter the estimated rebuilding cost, household contents replacement value and any separately specified valuables. Add an optional buffer, annual premium quote and the compulsory and voluntary excesses shown in the policy.
How the estimates are calculated
| Estimate | Calculation |
|---|---|
| Buildings cover | Rebuild cost × (1 + buffer percentage) |
| Contents cover | (Contents + specified valuables) × (1 + buffer percentage) |
| Combined cover | Buildings cover + contents cover |
| Monthly premium budget | Annual premium quote ÷ 12 |
| Total claim excess | Compulsory excess + voluntary excess |
Buildings cover is based on rebuilding cost
The cost of rebuilding a home can differ from its sale price because it relates to construction work, materials, demolition and professional costs rather than land value. Check whether your insurer offers unlimited or index-linked buildings cover before relying on a manual estimate.
Contents cover and policy excess
Contents insurance generally covers belongings kept inside the home, subject to policy limits and exclusions. MoneyHelper notes that a home-insurance claim normally includes an excess paid by the policyholder. Read its UK home insurance guide before comparing cover.
Related calculators
Compare the property estimate using the House Value Calculator UK. Review mortgage options with the Remortgage Calculator UK. Estimate another household protection cost with the Funeral Cost Calculator UK. Browse more tools on the United Kingdom Calculator homepage.
Frequently asked questions
Is rebuild cost the same as market value?
No. Market value includes factors such as land and local demand, while rebuild cost estimates the expense of reconstructing the property.
Do renters need buildings insurance?
Usually the landlord arranges buildings insurance. A renter may still choose contents insurance for personal belongings.
What is a voluntary excess?
It is an amount selected by the policyholder on top of any compulsory excess. A higher amount can reduce a premium but increases the cost of a claim.
Should valuables be listed separately?
Items above a policy’s single-item limit might need to be specified. Check the limits and conditions in the policy wording.
Does this calculator provide an insurance quote?
No. It organises user-entered cover and cost figures. Only an insurer or authorised comparison service can provide an actual quote.