- Home
- Home insurance
- Rebuild cost calculator
Rebuild cost calculator
How to calculate the rebuild cost of your home
Our free rebuild cost calculator helps you work out:
-
How much it could cost to rebuild your home in it's entirety
-
A realistic figure when getting a home insurance quote, ensuring you neither underpay nor overpay for your policy.
Your address
We'll also estimate your home rebuild cost when you run a quote
Get a home quoteYour address
Your home rebuild cost:
We could not find any information for that postcode
Here are some other ways to determine your home insurance rebuild cost:
- Existing home insurance policy document
- Mortgage valuation report
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

Rising damp: Signs, causes and treatment options
Discover what rising damp is, how to spot it, treatment options, and whether your home insurance covers it.

Mobile phone insurance
What's the best way to insure your mobile? We take a look at the options out there, plus the pros and cons of each.

Monthly Home Insurance vs Annual Home Insurance
Is it cheaper to pay annually or monthly for your home insurance? We talk you through your options and tips on how to save some money.

Renting to family members
Renting to family members? Here's everything you need to know, from declaring rental income to the type of insurance you’ll need.

Are key safes secure?
Are key safes secure enough for your home? Our guide explains how they affect your home insurance and the potential risks of using them.

First-time home buyer insurance
Buying your first home? Our guide tells you what cover you need and some handy tips when getting a quote.
*Based on Experian data, November 2022. This is an estimate and may not be 100% accurate.