How much should I insure my house for?

Determining how much home insurance cover you will need will depend on several factors and considerations, such as the rebuild cost of your home, the age and other characteristics of your property. The house rebuild calculator can help you figure this out.

Buildings insurance will cover you for loss or damage of the property due to fire, flood, subsidence, storms and damage caused by escape of water and oil, so making sure that your property is adequately insured is crucially important. To determine what level of home building insurance you should get, you’ll need to establish the value of your property.

When working out the value of your property/ the intended insured sum, you should base your figure on the rebuilding cost and not the market value of your home. You will also be asked for the location, number of rooms, when the property was built, the roof and wall type and any car park spaces, garages or outhouses.

Calculating your home insurance cover

To be totally confident that your home is adequately insured, an independent surveyor can calculate the exact rebuilding cost of your home. Using the house rebuild calculator, you can calculate the rebuild cost. This calculator is based on information released by the Society of Chartered Surveyors and is intended as a guide only, to give you an indication of the rebuilding cost of your house. Rebuild costs should also factor in the costs of professional services, if, for example, you needed to avail of a solicitor or architect.

Terms, conditions and underwriting criteria may apply.

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