Contents Sum Insured Calculator
Replacement value of your contents room-by-room.
NZ$
Suggested contents sum insured
$92,000.00
| Rooms (furniture, appliances) | $77,000.00 |
|---|---|
| High-value items | $15,000.00 |
| Total | $92,000.00 |
About this calculator
Walk through the house room by room and tally the cost to replace everything new. People consistently under-estimate contents because the contents are paid for over a decade and never priced at once.
- Bedrooms: bed, wardrobe contents, linen, electronics — about NZ$8,000 each.
- Living rooms: TV, sofa, AV, books, art — about NZ$14,000 each.
- Kitchens: appliances, cookware, pantry — about NZ$18,000.
- Add high-value items separately: jewellery, e-bikes, instruments, art — these often need scheduled cover.
Frequently asked questions
Replacement or indemnity value?
Replacement is the standard NZ policy — pays for new equivalents. Indemnity pays depreciated value and is much cheaper but rarely worth it for everyday cover.
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Calculator NZ provides general information only. For decisions with significant financial, medical or legal consequence please consult a qualified professional.