Estimate the cost to replace your home contents

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Home Contents Sum Insured Calculator

This calculator estimates the replacement cost of a household’s contents using information supplied by Sum Insured, New Zealand and Australia's leading provider of building contents cost information.

Based on general information about the household, the calculator will provide an estimated contents value and summary that you can further edit for a more accurate result if you wish.

Just enter the address of the household to find out the estimated home contents replacement cost.

If we don't have the details or if the details need to be amended, simply answer a few quick questions and we'll automatically calculate a new contents sum insured.

Look for the Help symbols if you need help

Click here to find out how the calculator works

Typical building contents replacement costs are provided by Sum Insured. Whilst all reasonable care is taken to ensure the accuracy of the information as a guide for costing building contents replacement costs, no responsibility is accepted by Sum Insured for its accuracy. Please check with a Valuer or other suitably qualified professional for an accurate costing estimate.
Your use of the CIRCA Calculator is authorised on the condition that Sum Insured and Vero Insurance New Zealand Limited do not warrant the accuracy, currency or completeness of the estimated replacement cost of your contents and do not have any liability of any kind for any loss or damage arising in any way (including through negligence) in connection with your use of the CIRCA Calculator. The CIRCA Calculator provides general information only and is not intended to be a recommendation or personalised financial advice. Excesses, terms, conditions, limits and exclusions apply to Vero Insurance New Zealand Limited’s policies. Please check the policy wording for details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.

© 2003 - 2026 Sum Insured is a trading name of Land Services SA Operating Pty Ltd (ACN 618 229 815) as trustee for Land Services SA Operating Trust (ABN 86 836 650 939). The building contents replacement cost calculator is registered under Australian Patent Number 586822.