We can only provide general advice about your Landlords Insurance; we can’t provide you with advice about the replacement cost of your building. When considering the sum insured for your building insurance, this amount should cover the full cost to rebuild including the cost of structural improvements such as carports, fences and pools and clearing debris from the land in the event of a total loss, however, the sum insured should not include land value.

You should also consider increased building costs to meet stringent and Local Council building requirements. If you are unsure of the replacement cost, a builder or architect may be able to assist you or we strongly recommend you use a building calculator.