Calculator Home & Contents
Please use this guide to calculate your sum insured
Please retain this guide for your reference. Do not return to Ansvar Insurance unless requested.
Building cost calculator
Your sum insured consists of the cost of rebuilding your home plus paths, heaters, pools, etc. The steps set out below will help you calculate your sum insured. Step 1 Calculate the total area of your house (e.g. 11 metres x 14 metres = 154m2 ) Step 2 Calculate the cost of building per square metre using the table below: Domestic Building House under 2 storey Concrete floor, brick veneer walls, pitched tile roof (m2) NSW Metro Regional ACT Metro VIC Metro Regional SA Metro Regional QLD Metro Regional WA Metro Regional TAS Metro Regional Step 3 Multiply size from Step 1 by cost from Step 2. (m2) x $
Total square metres Multiplied by cost per square metre
Step 4 Add up all of the following to arrive at the full sum for your building: Building cost of house Fixtures and fittings (e.g. built-in wardrobes, lights, fans) Wall coverings Floor tiles or coverings (but not carpets – they are insured as contents) Built-in heaters and air conditioners Garage Carport $ $ $ $ $ $ $ $ $ $ $ $ $ $ $
Concrete floor, cavity brick walls, pitched tile roof (m2) $1,223 $1,088 $1,247 $1,129 $1,039 $1,116 $1,138 $1,120 $1,087 $1,118 $1,140 $1,061 $1,028
Concrete floor, Timber walls pitched metal roof (m2) $1,006 $895 $1,026 $919 $846 $940 $959 $931 $903 $974 $993 $864 $836
$1,049 $933 $1,070 $963 $886 $974 $993 $959 $930 $996 $1,016 $905 $876
Garden or other sheds Verandah/patio/pergola Driveway Paths Fences Clothes line and other external structures Inground pool Subtotal Step 5
Add 10% to allow for the cost of removing debris, architects and surveyors fees which will be $ payablefor rebuilding Subtotal $
Notes: Use this section to make notes or work out your calculations.
per
=
$
Equals building cost for house
Comments: 1. Building replacement costs are based on an average specification inc. GST. 2. Add extra 50% for Quality specification; Add extra 100% for Prestige specification. 3. Professional fee costs of 6% to be added if required. 4. Demolition costs of 5% to be added if required.
Victoria AD GPO Box 1655, Melbourne 3001 FX +61 3 9614 0275 EM policyaccounts@ansvar.com.au
Ansvar Insurance Ltd. ABN 21 007 216 506 AFSL 237826 Member of the Ecclesiastical Insurance Group
1300 650 540
ansvar.com.au
Calculator Home & Contents
Contents calculator
Your contents sum insured This guide will help you calculate the sum insured for your contents. Make sure you use today’s value, as our policy covers all of your contents at replacement value without any depreciation allowance and without any age limit. Lounge and dining room Curtains/blinds Cabinets and cupboards Carpets China Clocks Lamps Fans (free standing) Heaters (free standing) Mirrors Sound equipment (e.g. record/CD) Television and video Furnishings Pictures Glassware Cutlery Total Kitchen/family room Furnishings Crockery Cutlery Clocks Radio Electrical appliances Cooking utensils Other kitchen utensils Curtains/blinds Glassware Food Refrigerator Freezer Dishwasher Total Main bedroom Bedding Beds Furnishings Clocks Curtains/blinds Heater Lamps Mirrors Pictures Clothing Personal effects Carpets Total Other bedrooms Bedding Beds Furnishings Clocks Curtains/blinds Heater Lamps Mirrors Pictures Clothing Personal effects Carpets Books Toys Total Hallways Linen Rugs Total Study Desk Chairs Filing cabinets Computer equipment Other equipment Stationery Books Total Bathroom Cosmetics Toiletries Medicines Scales Towels Curtains/blinds Total Laundry Washing machine Dryer Polisher Vacuum cleaner Ironing equipment Total Garage Tools Mower Trimmer Edger Accessories for car, boat, trailer (unattached to vehicle or boat) Total Outdoor Garden/patio furniture Hoses and garden Equipment Portable barbecue Above ground pool and equipment Total Miscellaneous Ornaments special valuables (e.g. jewellery, furs, antiques, gold & silver articles, persian carpets, stamp, medal, and coin collections) Bicycles Golf clubs Other sporting & fitness equipment Pet care equipment Total
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Now add the totals for each room or area Lounge and dining $ Kitchen/family room $ Main bedroom $ Other bedrooms $ Hallways $ Study $ Bathroom $ Laundry $ Garage $ Outdoor $ Miscellaneous $ Total $ This is your contents Sum insured $ $
Victoria AD GPO Box 1655, Melbourne 3001 FX +61 3 9614 0275 EM policyaccounts@ansvar.com.au
Ansvar Insurance Ltd. ABN 21 007 216 506 AFSL 237826 Member of the Ecclesiastical Insurance Group
1300 650 540
ansvar.com.au
AUSCALC 7928 0507