Home Insurance Cost Estimator
Home Market Value ($)
Rebuild Cost ($)
Contents Value ($)
Home insurance (buildings and contents) protects against structural damage and loss of possessions. Always insure the rebuild cost — not the market value, which includes land.
- 1Buildings: insure rebuild cost (structure and fittings)
- 2Contents: insure replacement value of possessions
- 3Typical cost: 0.25–0.5% of insured value per year
- 4Higher excess/deductible reduces premium
Rebuild cost $280k, contents $25k, 0.35%=Estimated annual premium: ~$1,068
| Cover | Includes |
|---|---|
| Buildings | Walls, roof, floors, fixed fittings |
| Contents | Furniture, electronics, clothing |
| Liability | Injuries on your property |
| Flood (add-on) | Water damage |
References
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