How do I work out how much I should insure my house for?
Last Updated: 19 Jun 2026
The amount you insure your home for is called your sum insured. This is the most we’ll pay to rebuild your home if you make a claim.
To estimate your sum insured, use the Cotality Sum Sure calculator. It gives you a rebuild cost based on your home’s details.
It's free and takes a few minutes to complete.
Your estimate includes:
- Building costs
- Professional fees
- Demolition and debris removal
- Special features
- GST
Learn more about your sum insured.
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