Buildings Insurance Calculator
Instantly estimate your property’s rebuild cost and assess its insurance risk profile. A free, reliable tool for homeowners and landlords to understand their coverage needs.
Estimate Your Rebuild Cost
Enter your property details below to get an instant estimated rebuild value and risk profile, helping you choose the right level of buildings insurance cover.
Property Details
Accurate inputs ensure the most reliable rebuild cost estimate
Estimation Results
Calculated rebuild value and risk profile
What Buildings Insurance Typically Covers
Understanding your policy is crucial. Here is a breakdown of what standard buildings insurance policies generally include.
| Coverage Area | What is Included | Example |
|---|---|---|
| Main Structure | Walls, roof, floors, ceilings | Repairing a roof damaged by storm winds. |
| Permanent Fixtures | Fitted kitchens, bathrooms, plumbing | Replacing a flooded fitted kitchen. |
| Outbuildings | Garages, sheds, greenhouses | Rebuilding a detached garage after a fire. |
| External Features | Driveways, fences, gates, walls | Repairing a boundary wall knocked down by a vehicle. |
| Alternative Accommodation | Temporary housing costs | Hotel or rental costs if your home is uninhabitable. |
Buildings Insurance Calculator FAQ
Everything you need to know about calculating and understanding buildings insurance for your property.
Buildings insurance covers the cost of repairing or rebuilding your home’s structure if it is damaged or destroyed by events like fire, flood, storms, or subsidence. It typically covers walls, roof, floors, and permanent fixtures like fitted kitchens and bathrooms.
Insurers calculate buildings insurance based on the estimated rebuild cost of your property, not its market value. Factors include property type, number of bedrooms, age, construction materials, location, and security features.
While it is not a legal requirement if you own your home outright (without a mortgage), it is highly recommended. Rebuilding a home after a major incident like a fire is extremely expensive, and insurance protects your largest financial asset.
Buildings insurance covers the physical structure of the property and permanent fixtures. Contents insurance covers movable items inside the home, such as furniture, electronics, clothing, and jewellery. Many providers offer them as a combined policy.