Home contents insurance calculator

This Home contents insurance calculator will help you answer the question of how much home contents insurance cover you may need.

For each room in your house fill in the estimated replacement cost for each of the items listed which you own. When you've finished, click the 'Calculate' button to see how much Home contents insurance cover you may require.

Kitchen/Utility Room


Dining Room



Main Bedroom

Other Bedrooms

Jewellery/Personal Effects, Clothing, Toys, Cosmetics, Luggage

Other Rooms



The result shown for this Home contents insurance calculation is based on the figures you enter, and therefore can only be as accurate as your data is.

However, many standardised Home contents insurance policies calculate the cover using the number of bedrooms, for example, to come up with a standard figure for a typical dwelling of that size. You can use these calculations to compare with the cover available to make sure that the policy covers at least your minimum requirements.

If you use accurate figures in this Home contents insurance calculator, you can make sure your insurance is not providing excessive cover (which you may pay more for).

Home contents insurance calculator

What to do if you need more help

If you need more help with your specific commercial loan, mortgage or insurance requirement please speak to a professional financial adviser.

We hope you found this information useful.

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