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Home Contents Calculator

Our handy home contents calculator will help you estimate the value of your home contents.  


Useful tips for using the calculator

  • If in doubt, contact the retailer to get the correct cost or get an independent valuation.
  • Home appliances, furniture, furnishings, light fittings, unfixed floor coverings, luggage and most other household goods should be valued as new (retail cost).
  • Carpets and window treatments (10 years old or more), bedding, manchester, sporting and recreational equipment, clothing and personal effects should be valued as new (retail cost) less wear, tear and depreciation. 
  • For indemnity only, all items will be subject to depreciation.


Things you should consider about your valuables

  • Keep records or evidence of the value of your insured property in a safe place, along with your policy document and the list of serial numbers.
  • You will need a valuation for valuable items like jewellery, watches, furs, gold and silver items etc. if they exceed $5,000 per item or set.
  • A separate Personal Valuables policy, which will give you cover on most personal items against accidental loss and/or damage anywhere in Australia or New Zealand, is available on request.


Important notes about our calculator

  • It goes without saying, our examples total up to $70,700. Yours may be less or more.
  • 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. 
  • The calculator was last updated on 31 July 2015.


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