Contents calculator

This is a guide to help you calculate the value of your home contents. You can also download our A4 version to print and complete in your own time.

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Simply enter the estimated 'replacement' values (with the exception of clothing, footwear and cosmetics, which are covered up to their market value, allowing for wear and tear) for the items that are relevant to you and add the totals together to find out how much cover you require.

It's important you also read your contents insurance policy carefully as some items have limited cover unless specified on your policy. To amend the amount of cover you require or to enquire about how to specify an item on your policy, just call us on 0800 500 213.

If you want to calculate your sum insured for contents in a rental property, please refer to the Landlord Contents policy document, as there is limited cover. Ensure you enter the market value of the items.

  AVERAGE ABOVE
AVERAGE
YOUR
VALUE
Living Areas $ $ $
Lounge Suites / Couches 2,500 6,500
Books 1,000 5,500
Bookshelves/ Shelves 1,500 3,500
Artwork / Ornaments 800 4,000
Cabinets / Wall Units 1,200 2,140
China Cabinets 1,200 3,210
CDs / DVDs / Videos / Records 1,200 5,350
Stereo / Speakers / Sound System 1,100 3,210
DVD Player/ Video Player / Recorder 500 1,000
Television 1,500 5,000
Crystal and Silverware 750 2,140
Cushions / Rugs 320 535
Clocks 105 535
Lamps 320 535
Unfixed Mirrors 160 535
Dining Table & Chairs 1,500 5,000
Alcohol 320 855
Coffee table 1,300 2,500
Miscellaneous    
Total Living Areas 17,275 52,045
 
Kitchen $ $ $
Chinaware 960 2,140
Coffee Maker 100 800
Crockery 640 1,100
Cutlery / Utensils 550 1,100
Dishwasher 1,200 2,000
Jug / Kettle 50 150
Microwave 300 1,000
Mini Oven / Griller 200 400
Mixer / Blender 150 400
Toaster / Sandwichmaker 150 300
Saucepans / Pots / Bowls 480 1,100
Glass and Plasticware 250 500
Freezer 1,000 2,500
Refrigerator 1,200 2,500
Packaged / Preserved and Fresh Food 550 1,000
Linen / Place Settings 215 460
Pictures / Ornaments 320 550
Miscellaneous    
Total Kitchen 8,345 18,000
 
Bathroom $ $ $
Hairdryer / Hair Stylers 105 450
Medicines 125 550
Scales 70 200
Cosmetics / Lotions / Perfumes etc 1,000 2,500
Towels 535 1,500
Toiletries 600 1,000
Electric Shaver 100 250
Miscellaneous    
Total Bathroom 2,580 6,450
 
Laundry $ $ $
Cleaning Equipment / Supplies 100 300
Clothes Basket 55 160
Dryer 600 1,200
Iron 70 150
Ironing Board 75 100
Unfixed Towel Rails 150 320
Vacuum Cleaner 450 1,500
Washing Machine 1,000 2,000
Miscellaneous    
Total Laundry 2,500 5,730
 
Office $ $ $
Bookcase 350 650
Computer / Laptop 3,500 7,000
Printers, Faxes, Scanners 100 300
Desk and Chairs 535 1,070
Filing Cabinet 265 640
Stationery 215 535
Miscellaneous    
Total Office 5,400 12,035
 
Master Bedroom $ $ $
Alarm Clock / Radio 75 200
Bedding / Linen 1,000 1,500
Bedroom Furniture 900 4,000
Chair 105 535
Electric Blanket 100 250
Lamps 215 430
Bed / Mattress / Base 1,500 5,000
Ornaments / Artwork 350 550
TV / DVD Player 500 1,000
Miscellaneous    
Total Master Bedroom 4,745 13,465
 
Bedroom 2 $ $ $
Alarm Clock / Radio 75 200
Bedding / Linen 1,000 1,200
Bedroom Furniture 900 3,000
Chair 105 535
Electric Blanket 100 250
Lamps 215 430
Bed / Mattress / Base 1,000 3,500
Ornaments / Artwork 350 550
TV / DVD Player 500 1,000
Miscellaneous    
Total Bedroom 2 4,245 10,665
 
Bedroom 3 $ $ $
Alarm Clock / Radio 75 200
Bedding / Linen 1,000 1,200
Bedroom Furniture 900 3,000
Chair 105 535
Electric Blanket 100 250
Lamps 215 430
Bed / Mattress / Base 1,000 3,500
Ornaments / Artwork 350 550
TV / DVD Player 500 1,000
Miscellaneous    
Total Bedroom 3 4,245 10,665
 
General and Personal Effects $ $ $
Antiques 1000 3,500
Barbeque 500 5,000
Bicycles 1,000 2,000
Binoculars 150 1,200
Cameras 535 2,000
Mobile Phones 550 1,285
Telephone 200 300
Collections (Stamps / Coins) 1,070 1,605
Clocks 160 320
Clothing and Footwear 8,000 16,000
Curtains/blinds 3,000 10,000
Dehumidifier 400 1,000
Dentures 1,080 3,000
Game console/accessories/games 1,000 4,000
Games / Toys etc 640 1,070
Outdoor Portable Gas Heater 600 2,500
Hearing Aids 3,500 10,000
Hobby Equipment 535 2,140
Jewellery / Watches 3,000 5,000
Unfixed Mirrors 270 430
Musical Instruments 215 1,070
Artwork / Ornaments 320 2,675
Portable music player (iPod) 200 400
Plant Containers & Pots 500 1,000
Sewing Machine 550 1,500
Spectacles / Glasses (each) 650 1,200
Sports Equipment 500 2,200
Suitcases / Bags / Purses 600 1,000
Unfixed Heaters / Fans / Dehumidifiers 1,070 5,350
Unfixed Swimming Pool or Spa 1,000 10,000
Video Cameras 900 2,000
Miscellaneous    
Total General and Personal Effects 34,030 114,055
 
Garage/Workshop $ $ $
Camping Equipment 1,000 10,000
Garden Hose and Reel 215 535
Ladders / Step Ladder 105 525
Lawn Mower / Wheel Barrow 840 3,000
Outdoor Furniture 1,100 4,500
Tools / Power Tools 1,000 4,200
Miscellaneous    
Total Garage / Workshop 4,270 16,260
 
CONTENTS TOTALS $ $ $
Living Areas 17,275 52,045
Kitchen 8,345 18,000
Bathroom 2,580 6,450
Laundry 2,500 5,730
Office 5,400 12,035
Master Bedroom 4,745 13,465
Bedroom 2 4,245 10,665
Bedroom 3 4,245 10,665
General and Personal Effects 34,030 114,055
Garage / Workshop 4,270 16,260
GRAND TOTAL 87,635 259,370