1. Home
  2. Home insurance
  3. Rebuild cost calculator

Rebuild cost calculator

How to calculate the rebuild cost of your home

Our free rebuild cost calculator helps you work out:

  • Icon of a hammer

    How much it could cost to rebuild your home in it's entirety

  • Icon of a pound

    A realistic figure when getting a home insurance quote, ensuring you neither underpay nor overpay for your policy.

What does rebuild cost mean?

Essentially, the rebuild cost of a home is the value of rebuilding the property in the event it's damaged beyond repair. The cost will take into account the price of materials and labour required to complete a rebuild.

Various details affect a rebuild cost such as the materials used to build the property, special features, whether it is a listed building and more.

What's the difference between the rebuild cost of my home and the market value?

The rebuild cost is different to the market value of the property. This is because market value also takes into account additional factors such as location, supply and demand in the area, school catchment and more.

Because of this, your home's market value is typically higher than its rebuild cost. It's important to know this when it comes to getting a quote for home insurance etc. You'll be asked to enter a rebuild cost, and if you use the property market value instead, you could end up paying more for your insurance.

Is it important to know the rebuild cost of my home?

Estimating the rebuild cost of your property can help you decide how much home insurance cover is right for you if your home was damaged beyond repair.

Crucially, if you underestimate the rebuild value, your insurer may not cover the full cost of a rebuild. And you'll have to fork out the difference from your own pocket, which could be expensive.

If you're stuck calculating your property rebuild cost, our guide has everything you need to know.

Home insurance guides

Pest control insurance

Pest control could be covered as an add-on to your home insurance policy, or under home emergency cover. See how home insurance might cover pest control.

Home insurance excess: Compulsory vs voluntary explained

Your home insurance excess is the initial amount you're willing to pay towards a claim, and could help lower your home insurance costs. We explain everything.

How to value a house: Find out your property's value - Confused.com

Your home's value is an important factor when you get a home insurance quote. Here are 5 ways you can work out how much your house is worth.

How do I calculate the rebuild cost of my home?

Knowing your home's rebuild cost can help give you more accurate home insurance costs. Here's how you use a rebuild cost calculator and work it out yourself.

Accidental damage insurance

Accidents happen, but what exactly is covered under an accidental damage policy?

What to do after a burglary at your house

Having your house burgled is a worrying experience. These steps could help you if your home's burgled or if you come home and find a burglary in progress.

See all home insurance guides

*Based on Experian data, November 2022. This is an estimate and may not be 100% accurate.