# What is rebuild cost for buildings insurance?

> Quick answer · Last updated 4 July 2026

Canonical HTML: https://moneyguide.org.uk/answers/what-is-rebuild-cost-for-buildings-insurance/
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## In short

The cost to reconstruct your home from scratch — materials, labour, demolition and professional fees — not the market value or price you paid. Underinsuring rebuild cost can reduce claim payouts proportionally.

Listed buildings and non-standard construction cost more to rebuild. Use an online rebuild calculator from the ABI or your insurer's tool.

Home extensions and renovations may increase rebuild cost — update cover after major works.

See buildings vs contents insurance guide.

## Related

- [Buildings vs contents guide](https://moneyguide.org.uk/insurance/buildings-vs-contents-insurance-explained/)
- [Buildings vs contents FAQ](https://moneyguide.org.uk/answers/what-is-buildings-insurance-vs-contents/)

## Primary source

abi.org.uk/products-and-issues/choosing-the-right-insurance/home-insurance

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.