UK home insurance estimator
Free UK home insurance calculator. Estimate your annual and monthly premium for buildings and contents insurance from rebuild cost, location, excess and cover type — private.
How to use
- Enter rebuild cost and contents. Add the cost to rebuild your home (not its market value) and the value of your contents. Higher figures raise the estimate.
- Choose your cover type. Pick buildings and contents combined, or contents-only if you rent. The tool prices each so you can compare.
- Set location and excess. Select your location risk and excess. A higher excess lowers your premium; higher-risk areas raise it.
- Review your estimate. See your estimated annual and monthly premium in £, the typical range, and each factor's contribution.
Features
- Buildings and contents. Prices UK-style buildings and contents insurance, with buildings based on rebuild cost rather than market value.
- Rebuild-cost based. Uses the cost to rebuild your home, the figure UK insurers price buildings cover on, not the market or sale price.
- Annual, monthly and a range. A point estimate plus a low–high band in £, because premiums vary by area and insurer.
- Excess and location factors. Includes excess and location risk — key levers that move UK home insurance premiums.
- 100% private. All maths runs in your browser. Your details are never uploaded, stored or shared.
When to use it
- Sanity-checking a renewal before you accept it
- Estimating buildings and contents cover before buying a home
- Comparing contents-only cover if you rent
- Seeing how a higher excess lowers your premium
- Budgeting home costs before a purchase
Is it private?
Every calculation runs in your browser. Your home, contents and location details are never uploaded, stored or shared.
Frequently asked questions
Is this a real home insurance quote?
No. It is an educational estimate based on published UK averages and standard rating factors. Real prices depend on your postcode, home and insurer, so get quotes for exact figures.
What is buildings and contents insurance?
Buildings insurance covers the structure of your home, priced on its rebuild cost; contents insurance covers your possessions. Most UK policies combine the two, and the tool can price them together or separately.
Should I use rebuild cost or market value?
Rebuild cost — the amount to rebuild your home if it were destroyed. UK insurers price buildings cover on this, not the market or sale value, and the two often differ.
Why does my mortgage lender require buildings cover?
Lenders require buildings insurance to protect the property securing your mortgage. That is why it is usually mandatory until the loan is repaid; renters typically take contents-only instead.
How does the excess affect my premium?
A higher excess means you pay more towards each claim, so the insurer charges a lower premium. The tool lets you compare excess levels.
Is my information private?
Yes. Everything runs locally in your browser with no upload, no storage and no sign-up.
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