Can I insure for more than your online building and contents calculators say?

We want to help you make sure you’ve got enough insurance to cover everything you want to cover. If you don’t have enough, you may not be able to rebuild your home the way you want, or replace all your items.

Our home and contents calculators are one tool that can help. Just remember that they’re a guide only, and provide a possible sum insured range. The final decision on the sum insured amount is yours, as we’re unable to guarantee that all information in the calculator is up-to-date or accurate. They might also differ from any estimates we provide as part of your quote.

Everybody’s assessment of what they need to cover their assets is different. How much cover someone chooses can depend on things like the size of their property, the quality of their furniture, and anything unique about their home.

Our home and contents calculators are one tool that can help you figure out how much cover you need. Just remember that they’re a guide only, and provide a possible sum insured range. The final decision on the sum insured amount is yours, as we’re unable to guarantee that all the information in the calculator is up-to-date or accurate. They might also differ from any estimates we provide as part of your quote.

We pay up to $800 for reasonable emergency repair costs you need to make, so that your caravan is safe to use or tow. We'll also pay the cost for your caravan or trailer to be towed from the incident scene to a repairer or safe place.

For more information, see our Product Disclosure Statements.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

• First purchased before 21 April 2024 and not yet renewed
• Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

A calculation guide may help you to determine whether you have adequate insurance cover. This will provide you with peace of mind knowing you have the correct coverage should an incident arise.

Determining the correct sum insured is critical to ensure you're covered in the event of a claim. If your sum insured is too low, you might not be able to rebuild your home or replace its contents. We may even ask you to use one of our calculators to ensure your sum insured is right for you.

If you're unsure or want to check your sum insured, please use one of our calculators.

You're able to change your sum insured any time during the term of your policy. Log into your account and select the policy you want to change, adjust the value and follow the prompts.

Home buildings calculator

Home contents calculator

We're only able to give you a guide as we're not licensed valuers. If you're unsure of the value of your home you can seek professional guidance from a licensed quantity surveyor or builder.