Sum Insured Calculator

The Cordell Sum Sure calculator will help you estimate the reconstruction cost in the event of a total loss.

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The right amount of cover is so important.

For most of us, our home is an incredibly valuable asset, so we need to make sure we have the right cover in place to protect it. Without the right amount of cover in place, you run the risk of being unable to rebuild your home to a similar size or standard.

The Cordell Sum Sure calculator can help by estimating your "Sum Insured" amount. This amount is how much you will need to rebuild your home in the event of a total loss, and includes things like the cost of removing debris or rebuilding special features; these are easy to miss when you’re thinking about the true cost of rebuilding.

Your Sum Insured amount includes

  • Your home - the actual building
  • Fencing, decks, patios
  • Garages and/or sleepout
  • Swimming pool
  • Driveway
  • Professional fees
  • Recreational features (spa pools, water features)
  • Special features (bridges, culverts, landings, jetties)
  • Built-in Barbeque(s)
  • Retaining walls
  • Gazebos
  • Demolition and debris removal
  • Compliance costs
  • Garden Sheds

For more information on what your 'Sum Insured' calculation should include, click here.

How the calculator works

The Cordell Sum Sure calculator works by using construction industry data from around New Zealand as well as individual property data from councils and a range of other sources.

In most cases, all you need to do is enter an address, confirm your property details and make any updates. Then you'll be provided with an estimate to rebuild your home.

Options to calculate your Sum Insured

The calculator is easy to use but remember, it is just an estimate. You can consult a professional such as a registered builder or valuer for the most accurate valuation.


Use the Cordell Sum Sure calculator now, follow the instructions and you can estimate the rebuild cost of your home.

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Get covered

Now that you know your estimated Sum Insured amount it's time to put cover in place.

Find out more about how ASB Home Insurance can help you to make sure one of your most cherished assets is protected.

Can we help?

Ask a question

Need some help? We can provide you with more information.

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Call us

We can help you update your sum insured amount or get cover in place over the phone.

0800 200 252

Visit a branch

Visit us at one of our many branches across New Zealand to get your insurance sorted.

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The availability of insurance cover is subject to your application being approved. Exclusions apply. For full details, refer to the Policy Document which is available from ASB Bank Limited. This insurance is underwritten by IAG New Zealand Limited. The calculator is provided by Cordell, a CoreLogic business. Your use of the Cordell Sum Sure calculator is authorised on the condition that CoreLogic, ASB and IAG New Zealand Limited (and their related companies) do not warrant the accuracy, currency or completeness of the estimated reconstruction cost and do not have any liability of any kind for any loss or damage howsoever arising (including through negligence) in connection with your use of the Cordell Sum Sure calculator.