Home Insurance Estimate Calculator

Estimate home insurance premiums for buildings, contents or combined cover by property type.

Last updated: April 2026 · Source: ABI — Home insurance

Estimated Annual Premium

£175.50

£14.63/month

Indicative estimate. Actual premiums depend on postcode, flood risk, security, building age and provider. Always compare quotes.

Disclaimer

This calculator is provided for informational purposes only and should not be considered as financial or tax advice. All calculations are performed locally in your browser — no personal data is collected or sent to our servers. Rates and thresholds are sourced from HMRC and GOV.UK and are updated for the current tax year. Always verify results with HMRC or consult a qualified professional before making financial decisions.

How It Works

Home insurance in the UK consists of two parts: buildings insurance (covering the structure, walls, roof, fixtures and fittings) and contents insurance (covering your possessions). Mortgage lenders require buildings insurance as a condition of the loan. The rebuild cost, not the market value, determines the buildings cover amount.

The Association of British Insurers (ABI) publishes average rebuild costs per square metre by region and property type. A typical 3-bedroom semi-detached house has a rebuild cost of £150,000-£250,000 depending on location. Contents insurance should cover the total replacement value of everything you own inside the home.

Premiums are influenced by property type, location (flood risk, crime rates), rebuild value, claims history, security features and excess level. Average UK home insurance costs £300-£500 per year for combined buildings and contents cover. Increasing your voluntary excess can reduce premiums significantly.

Example: 3-bed semi, rebuild £200,000, contents £50,000

  1. Buildings insurance: ~£180/year
  2. Contents insurance: ~£120/year
  3. Combined policy discount: -£30
  4. Estimated annual premium: £270
  5. With £250 voluntary excess: ~£230/year

Source: ABI — Home insurance

Frequently Asked Questions

What does the Home Insurance Estimate Calculator do?
Estimate home insurance premiums for buildings, contents or combined cover by property type. All calculations are performed in your browser using official UK rates and thresholds.
Are these actual quotes?
No. This calculator provides estimates based on typical UK insurance factors. Actual premiums depend on your specific circumstances. Always compare quotes from multiple insurers.
Is insurance required by law?
Some insurance is legally required in the UK — such as motor insurance, employers' liability insurance and buildings insurance (if you have a mortgage). Other types are optional but strongly recommended.