Insurance Calculators
Home Insurance Coverage Calculator
Estimate the rebuild cover, contents cover and liability limits a home policy should carry.
Rebuild cover
$333,000
- Contents cover
- $166,500
- Total cover including valuables
- $507,500
- Suggested loss-of-use cover
- $66,600
RebuildContentsValuables
How this calculator works
Rebuild = floor area × local rebuild rate; contents = a share of the rebuild figure
- rebuild rate
- local construction cost per square foot, not market value
Important considerations
- Insure the rebuild cost, not the market value — land is not at risk.
- High-value items usually need scheduling separately.
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Learn more
Terms used here
Frequently asked questions
Why is rebuild cost different from market value?
Market value includes land and location; a policy only needs to rebuild the structure.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01