A buildings and contents insurance rebuild cost calculator estimates the cost of reconstructing your home, rather than its market value, and can help you choose an appropriate buildings sum insured. It may allow for demolition, site clearance, professional fees and current building regulations, while contents cover should reflect the cost of replacing your belongings. Treat the result as a guide and check exactly what your insurer includes. For a listed, unusual or non-standard property, consider asking a surveyor or FCA-authorised insurer for a more suitable assessment.