Skip to main content

Contents Sum Insured Calculator

Not sure how much your contents should be insured for? This handy contents sum insured calculator will help give you a basic estimate.

What do you need to do?

Start estimating the cost to replace the contents of your home with this handy calculator. The intention of this is to gain an understanding of how much it would cost to replace everything you own that is covered by your policy. To help you with that, you can try one of the following:

  • Manually calculate the value of all of your items that are covered by your policy - This may include valuations or quotes for more valuable assets; or
  • You can use the below online calculator. This calculator will give you an estimate based on the information you provide about your home, but it is important to note that it is purely an estimate based on market data, not your specific circumstances, and the acceptance of the output should be considered in that framing.

Note: Please refer to your adviser or your policy wording to understand what is included in your contents policy vs. what's included in your home policy, as items such as appliances can vary. You will likely need formal valuations for jewellery, antiques and artworks.


This information is general in nature only. It does not constitute a recommendation, opinion or guidance as to the sum insured figure that is appropriate for your individual circumstances. It does not constitute a recommendation, opinion or guidance as to the relative merits of the current replacement cost insurance cover versus the new maximum sum insured insurance cover. This information does not take into account your particular financial situation, needs or goals, or tolerance for risk. Whilst every effort has been made to ensure that the information is accurate, you should not rely on this information to make any financial decision.

Typical contents replacement costs are provided by Sum Insured Pty Ltd (A.B.N. 55 947 630 521) trading as Home Contents ("Sum Insured"). Whilst every care is taken to ensure the accuracy of the information as a guide for costing, no responsibility is accepted by Sum Insured for its accuracy. Please check with a Valuer, or other suitably qualified professional for an accurate estimate.