Home Rebuild Cost Calculator
Estimated Rebuild Cost
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Cost Breakdown
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Why Home Rebuild Cost Matters for Insurance
Your sum insured should reflect the true cost to rebuild your home from scratch - not its market value (land + house). Many Australian homeowners are underinsured because they insure for market value rather than rebuild cost.
What's Included in Rebuild Cost
- Demolition and site clearing
- Materials and labour for the full rebuild
- Architect and council fees
- Temporary accommodation costs during rebuild (often a separate policy benefit)
The Risk of Underinsurance
If you're underinsured, most insurers apply "average" - reducing even partial claim payouts proportionally to how underinsured you are. Getting an accurate rebuild estimate before choosing your sum insured is one of the most important insurance decisions homeowners make.
Estimates only. For an accurate figure, use a professional quantity surveyor or your insurer's calculator tool.