building and contents calculator

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Using the calculator

Welcome to the building and contents calculator! It's designed to give you an indicative value of your assets. As building costs and quality can vary widely depending on location and choice, you will need to insure your home for the actual cost to replace it at today's prices. You should do this for your contents as well. While the calculator gives you an indicative value of your assets, The Buzz will need to agree that we can insure you for the amount you nominate.

Please also read further information in the Home Insurance or Landlords product disclosure statements available online when working out what you need to insure your home for.

 
 
building calculator
Standard of construction
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Average

  • Standard design
  • Laminated kitchen bench tops & cupboard doors
  • Basic appliances & tapware
  • Framed shower screens
  • Framed shower screens
  • Basic aluminium windows
  • Flush faced doors
  • Steel door furniture
  • Simple architraves & skirtings
  • Plain ceilings & cornices
  • Average ceramic tiling
  • Minimal electrical facilities

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Quality

  • Architectural design
  • Granite or laminated timber kitchen bench tops
  • Vinyl or polyurethane kitchen cupboard doors
  • European appliances & tapware
  • Semi framed or frameless shower screens
  • Timber or improved aluminium windows
  • Feature doors
  • European door furniture
  • Larger architraves & skirtings
  • Decorative ceilings & cornices
  • Porcelain tiling (floor to ceiling)
  • Average electrical facilities

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Prestige

  • Complex architectural design
  • Granite kitchen bench tops
  • Polyurethane or solid timber kitchen cupboard doors
  • European appliances & tapware
  • Frameless shower screens
  • Timber or improved aluminium windows
  • Custom doors
  • European door furniture
  • Larger architraves & skirtings
  • Decorative ceilings & cornices
  • Stone tiling (floor to ceiling)
  • Extensive electrical facilities

Slope of Land
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Flat slope Flat slope Moderate slope - 15 degrees Moderate slope - 15 degrees
Gentle slope - 5 degrees Gentle slope - 5 degrees Severe slope - 35 degrees Severe slope - 35 degrees
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square metres
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contents calculator
Number of occupants (and age grouping)
Quantity of home contents
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Minimal furnishing I have just the basic in most rooms. A basis level of contents reflecting a minimalist approach to home furnishings. Comprehensive Comprehensively furnished but not cluttered. An average level of home contents. Extensive Extensively furnished, most storage space is full. A high level of home furnishing reflecting an above average level of home furnishing.

Standard of Home Contents
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There are three standards of home contents to choose from. Choose the one most suited to your home: Average No name brands, self-assembled furniture, etc. Lowest priced home furnishings. Quality Well-known brands, joinery, standard furniture, etc. Above average priced home furnishings. Prestige Designer brands, handcrafted furniture, etc. Highest priced home furnishings.

Number and types of rooms
What other rooms do you have in your home? When you tell us what other rooms you have, we can work out the average amount of contents in your home.
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Bathroom A room used to maintain personal hygiene, usually containing towels and linen, cleaning supplies and toiletries.

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Kitchen A room used to prepare, cook and clean up after meals, usually containing a refrigerator, microwave oven, small electrical appliances, cleaning supplies, food and drinks, bowls and serving platters, crockery, cookware, cutlery, glasses and kitchen tools.

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Laundry A room used to wash, dry and iron clothes, usually containing a clothes washer and dryer, iron and ironing board, vacuum cleaner and cleaning supplies.

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Entry of foyer An enlarged hallway accessed via an exterior door.

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Dining A formal room or area used to serve meals and entertain visitors, usually containing linen, dining suite, cabinet, cutlery, dinner set and glasses.

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Living or lounge A formal room or area used to entertain visitors, usually containing audio visual equipment, books and furniture.

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Family A casual room or area used for relaxation and recreation purposes, usually containing audio visual and computer equipment and furniture.

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Games or rumpus A casual room or area used for relaxation and recreation purposes, usually containing audio visual and computer equipment and furniture.

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Sunroom A casual room used for relaxation purposes. Usually with a high proportion of windows or glass doors, usually containing furniture.

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Study or home office A room used for study or home office purposes, usually containing computer equipment, a printer, fax, phone, copier, stationery supplies and furniture.

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Billiard A room used for playing billiards, pool or snooker, usually equipped with a purpose-made table and associated equipment.

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Garage/Store/Workshop A room used for the storage of cars usually containing such things as camping equipment, wine, luggage, automotive and building tools

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Garden shed In a garden, a small shelter or storage building, usually containing hoses, lawn mower and other garden tools.

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Pool area (not including pool) An area adjoining a swimming pool, usually containing outdoor furniture and pool equipment.

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Patio/Balcony/Deck/Verandah An outdoor area (sometimes covered) adjoining a building, usually containing outdoor furniture and often a BBQ.

Valuables
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Important note from the providers of the calculator

Typical building replacement costs are provided by Reed Business Information Pty Ltd (A.B.N. 80 132 719 861) trading as Cordell Information ('Cordell') and typical building contents replacement costs are provided by Sum Insured Pty Ltd (A.B.N. 55 947 630 521 ('SI') trading as Home Contents. Whilst every care is taken to ensure the accuracy of the information as a guide for costing, no responsibility is accepted by either Cordell or SI for its accuracy. Please check with an Architect, Builder, Quantity Surveyor, Valuer or other suitably qualified professional for an accurate estimate. Insurance Australia Ltd takes no responsibility for the costs provided by Cordell or SI nor any liability for the accuracy of or reliance upon or use of, the costs.