guide to sums insured
Are you covered?
Our home insurance policy may give you peace of mind should the worst happen, but you’ll need to give us the correct sum insured so we can ensure the right amount of cover is provided. The tools below will help you calculate the right figure.
Rebuilding costs
Your rebuilding sum insured should represent the amount that you would have to pay to build your home again should there be a total loss eg in the event of a fire.
The Association of British Insurers’ (ABI) rebuilding cost calculator is designed to help you assess the rebuilding cost of your property.
Contents calculator
Your contents sum insured is the total value of replacing your home contents should there be a total loss eg in the event of a fire. It’s important that your sum insured is correct so that we can quickly pay any insurance claims you make.
Working out your contents sum insured can be difficult, but the Association of British Insurers’ (ABI) calculator, can make it easier. By using the ABI’s home contents table to calculate your sum insured, we’ll have a more accurate amount to base your insurance premium on.
Index linking
Because your Ecclesiastical Home Insurance is index-linked (ie its adjusted according to inflation), if the worst happens, your claim will be paid in full up to the sum insured.
If you’re in any doubt about this guide to sums insured, please call us on 0845 777 3322 from 8am to 6pm, Monday to Friday (excluding bank holidays). We’re happy to help.
