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.
Last reviewed:
Reviewed by Kaiser Khan
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.
Primary source: abi.org.uk/products-and-issues/choosing-the-right-insurance/home-insurance
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