Insuring your Home

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Home Contents Calculator

The following checklist is designed to assist you to calculate the sum insured you require for your home contents. Simply enter your estimate of the value for each of your items. The figures provided below are examples only. If in doubt, contact the appropriate retailers to get the correct figures, or get an independent valuation.

The estimated value for home appliances, furniture, furnishings, light fittings, unfixed floor coverings, luggage and most other household goods should be their retail cost as new. Carpets and window treatments 10 years old or more, together with bedding, manchester, sporting and recreational equipment, clothing and personal effects normally worn or carried, should be valued at their retail cost as new less an amount for wear, tear and depreciation. If your policy is one of indemnity only, then all items will be subject to depreciation if applicable.

Lounge/Family Room Eg. Price Your Estimate
$2,500 $
$2,000 $
$1,500 $
$2,000 $
$1,500 $
$1,500 $
$11,000 $
Dining Room Eg. Price Your Estimate
$2,000 $
$1,500 $
$3,500 $
Main Bedroom Eg. Price Your Estimate
$2,500 $
$3,000 $
$5,500 $
Other Bedrooms Eg. Price Your Estimate
$1,000 $
$1,000 $
$2,000 $
Kitchen Eg. Price Your Estimate
$900 $
$1,200 $
$800 $
$500 $
$750 $
$300 $
$300 $
$600 $
$500 $
$400 $
$500 $
$6,750 $
General Eg. Price Your Estimate
$2,000 $
$500 $
$300 $
$600 $
$500 $
$1,000 $
$500 $
$500 $
$1,000 $
$400 $
$600 $
$100 $
$500 $
$400 $
$300 $
$200 $
$500 $
$500 $
$10,400 $
Laundry/Bathroom Eg. Price Your Estimate
$800 $
$500 $
$150 $
$500 $
$1,950 $
Other Valuables Eg. Price Your Estimate
$1,000 $
$400 $
$1,000 $
$2,000 $
$300 $
$3,500 $
$8,200 $
Manchester Eg. Price Your Estimate
$2,500 $
Floor Coverings Eg. Price Your Estimate
$4,000 $
$1,000 $
$7,500 $
  $
$56,800 $

Our examples total up to $56,800. Yours may be less or more.

*NB: A separate Personal Valuables policy which will give you cover on most personal items against accidental loss and/or damage anywhere in Australia or NZ, is available on request.

NB: You need a valuation for valuable items like jewellery, watches, furs, gold and silver items etc, if they exceed $1,000 each. We recommend that you keep any records or evidence of the value of any property insured in a safe place, along with your policy document and the list of serial numbers.

This calculator is only an estimate of how much cover you may need. It is not a guide to the actual insurance cover you require and is not intended as advice. To the extent that it is financial product advice, it is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. You should obtain and read the Product Disclosure Statement (PDS) to decide if the policy is right for you. The PDS is our policy document and provides a more detailed description of this insurance cover, including the specific cover, exclusions and options available in your area.

This guide was last updated on 17/01/2007.