How much cover do most people get when they insure their home?

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.

Your sum insured represents the replacement price of your car, including the value of any legal modifications and on-road costs (like registration and CTP Insurance). You can choose agreed value or market value to insure your car.

If your car is covered for an agreed value, your sum insured can be found on your Certificate of Insurance under the policy summary area. You can also log in to your account.

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.

Turnover is used to get an understanding of the size of your business, and to make sure you are covered appropriately.

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

Yes you can.

The calculation guide that's provided is a guide only. It's up to you to make sure your home and contents are insured for their full replacement value.

However, if you insure your home or contents for more than the cost to repair, replace or rebuild, we only pay the actual costs of repairing, replacing or rebuilding.