Home Insurance Coverage Estimator

Estimate how much buildings and contents insurance you actually need. Find out if you're underinsured before it matters.

1 Property Details

Your home's physical characteristics.

Property Type

Home Size: 120 m²

Year Built

Construction Type

Number of Bedrooms

2 Contents to Insure

Enter estimated values for high-value categories.

Work from home?

Current contents coverage (if known)

€

Why This Matters

An estimated 60% of homeowners are underinsured — meaning their insurance wouldn't fully cover rebuilding their home or replacing their belongings after a disaster. The gap between what you think you own and what you actually own is consistently larger than people expect.

Buildings insurance should cover the full rebuild cost, not the market value of your home. Land value, location premium, and market conditions affect sale price but not rebuild cost. A €400,000 home might cost €250,000 to rebuild — or €500,000 if construction costs have risen.

Contents insurance is where most people get it wrong. The average person estimates their contents at €20,000-30,000. Actual inventories consistently reveal €50,000-80,000 for a typical family home. Clothes alone can be worth €5,000-15,000. This tool helps you get a realistic estimate before you need it.

Frequently Asked Questions

What is the difference between buildings and contents insurance?

Buildings insurance covers the structure itself — walls, roof, floors, fitted kitchens, bathrooms, and permanent fixtures. Contents insurance covers everything you'd take with you if you moved — furniture, electronics, clothing, valuables, and personal belongings.

How do I know if I'm underinsured?

Most people significantly underestimate their contents value. Walk through each room and mentally add up what you see. The average 3-bedroom home contains €50,000-80,000 in contents. If your policy covers less than your estimate, you have an insurance gap.

What items need separate insurance?

Most standard policies cap individual item claims at €1,000-2,000. High-value items like jewellery, watches, art, musical instruments, and designer goods typically need to be listed separately (scheduled) on your policy for full coverage.

Is this a quote for insurance?

No. This is an educational tool to help you estimate appropriate coverage levels. For actual quotes and policies, contact licensed insurance brokers or providers in your area. Always read policy terms carefully.