Insurance Calculators

Home insurance

The costs of rebuilding can vary from state to state and are usually affected by the size, style and standard of your home and the materials used to build it. Homes built on sloping land, or those with extensive fencing, paving and retaining walls typically have higher rebuild costs.

The calculator will also include the cost to remove debris and professional fees (such as architects and engineers), which are often forgotten.

Home building calculator >>

Contents insurance

The replacement costs of your belongings can vary depending on the quantity and quality of them. Your sum insured can vary depending on the quality of your furnishings – ‘average’ lowest price furnishings, ‘quality’ above average price, or ‘prestige’ tailor-made, high-priced furnishings.

Also, some ‘high risk’ items are of such a personal nature that their value varies according to taste, for example sporting, photographic and entertainment equipment and jewellery. These items may need to be separately listed on a policy depending on their value.

The calculator takes each of these elements into consideration when estimating your sum insured.

Here are a few things to remember:

• Costs vary over time, so try to review your sum insured every year
• Re-evaluate your sum insured when you renovate and make new purchases
• The cost of rebuilding your home is not the same as its real estate value