Use the contents calculator to learn what your belongings are worth
Get a quick estimate so you can feel confident in your contents cover.
The Sum Insurance contents calculator estimates the value of your household contents using values supplied by Sum Insured Pty Ltd, New Zealand and Australia’s leading provider of building contents cost information. It’s a helpful starting point when setting up or reviewing your house insurance or landlord insurance cover.
If you have existing contents insurance you would like to amend, log in to your dashboard and make a change.
Go to contents calculator Learn about our replacement contents cover
Key takeaways in this article:
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A contents calculator helps estimate the value of your belongings so your cover reflects real replacement costs.
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Use a contents calculator as a starting point, then review your cover to make sure it still fits your needs.
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High-value items may need to be specified if they exceed standard policy limits.
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Most everyday belongings are usually automatically covered, subject to limits and conditions.
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Most claims are settled new-for-old, but some items are paid at market value.
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Your policy wording and schedule work together to explain your cover.
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You can update your contents cover anytime through your dashboard.
How your contents are covered
House vs landlord contents
Contents can mean different things depending on how the property is used.
- For homeowners, contents usually refers to your personal belongings like furniture, clothing, electronics, and everyday items.
- For landlords, contents cover is typically more limited. It usually includes items you provide with the property, such as carpets, curtains, blinds, and appliances, but not your tenant’s belongings.
Make sure you’re using the right approach when using a contents calculator, so your cover reflects what you actually need.
Learn more about the differences between contents cover options.
Which items need to be specified
Some belongings have a sub-limit, which means there’s a cap on how much we’ll pay for them. If an item is worth more than the limit shown in our support guide, you can list it as a specified item.
Learn which items need to specified
Which contents items are automatically covered in initio’s policy
Many everyday belongings might be automatically included in your cover without needing to be listed individually.
We’ve created a simple guide answering common “am I covered?” questions to help you see what’s typically included with an initio contents policy. It’s only a helpful guide, so always check your policy wording for full details. If you’re still unsure, reach out to us or use an AI search tool to review your policy, and always double-check the results.
What contents are covered for market value
Most contents are covered on a new-for-old basis, meaning we replace items with new equivalents. Some items, however, are settled at their current market value instead.
Other criteria and limits apply, so check your policy wording for full details.
Check which items are covered for market value
How to add or update contents cover
You can add contents to your insurance or adjust your cover at any time through your online dashboard.
If you already have a policy, simply log in and adjust your details in a few clicks. Any changes you make will show straight away. Currently, contents cover isn’t available as a stand-alone policy and must be added to a home policy.
Learn more about how to make a change.
Calculate your house sum insured
Now that you’ve worked out your contents, you might be ready to calculate your house sum insured.
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