How can I find the right rebuilding cost for my home?

Your rebuilding cost is the amount it would take to rebuild your home from the ground up if it was destroyed. This includes materials, labour, and professional fees like architects or surveyors.

It’s not the same as your home’s market value- it only covers the cost of restoring the building itself to its original state.

What affects my rebuilding cost?

• Size of your home: Bigger homes usually cost more to rebuild. Accurate details like the number of rooms, doors and windows help keep your estimate right. 

• Age of your home: Older homes may need specialist materials and skilled work to match their original design. 

• Building materials: Non-standard materials like timber frames, thatched roofs or listed building features can increase costs and may need specialist insurance.

• Location: Labour costs vary, and remote or hard-to-reach areas can add extra expense. 

• Flood risk: Homes in flood-prone areas may need extra flood-proofing, which can raise costs. 

• Subsidence risk: If your home has had or could have subsidence, rebuilding can be more expensive because of structural repairs.

Making my rebuild cost simple   

We’ve partnered with the Building Cost Information Service (BCIS), experts in home rebuild estimates for over 60 years. They provide an online calculator to help you work out an accurate rebuilding cost.

You can use the calculator online.