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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.

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
2500
6500
Books
1000
5500
Bookshelves/ Shelves
1500
3500
Artwork / Ornaments
800
4000
Cabinets / Wall Units
1200
2140
China Cabinets
1200
3210
CDs / DVDs / Videos / Records
1200
5350
Stereo / Speakers / Sound System
1100
3210
DVD Player/ Video Player / Recorder
500
1000
Television
1500
5000
Crystal and Silverware
750
2140
Cushions / Rugs
320
535
Clocks
105
535
Lamps
320
535
Unfixed Mirrors
160
535
Dining Table & Chairs
1500
5000
Alcohol
320
855
Coffee table
1300
2500
Miscellaneous
Total for Living Room
17275
52045
 
 
 
 
Kitchen
$
$
$
Chinaware
960
2140
Coffee Maker
100
800
Crockery
640
1100
Cutlery / Utensils
550
1100
Dishwasher
1200
2000
Jug / Kettle
80
150
Microwave
300
1000
Mini Oven / Griller
200
400
Mixer / Blender
150
400
Toaster / Sandwich Maker
150
300
Saucepans / Pots / Bowls
480
1100
Glass and Plasticware
250
500
Freezer
1000
2500
Refrigerator
1200
2500
Packaged / Preserved and Fresh Food
550
1000
Linen / Place Settings
215
460
Pictures / Ornaments
320
550
Miscellaneous
Total for Kitchen
8345
18000
 
 
 
 
Bathroom
$
$
$
Hairdryer / Hair Stylers
150
450
Medicines
125
550
Scales
70
200
Cosmetics / Lotions / Perfumes etc
1000
2500
Towels
535
1500
Toiletries
600
1000
Electric Shaver
100
250
Miscellaneous
Total Bathroom
2580
6450
 
 
 
 
Laundry
$
$
$
Cleaning Equipment / Supplies
100
300
Clothes Basket
55
160
Dryer
600
1200
Iron
70
150
Ironing Board
75
100
Unfixed Towel Rails
150
320
Vacuum Cleaner
450
1500
Washing Machine
1000
2000
Miscellaneous
Total Laundry
2500
5730
 
 
 
 
Office
$
$
$
Bookcase
350
650
Computer / Laptop
3500
7000
Printers, Faxes, Scanners
250
1000
Desk and Chairs
535
1070
Filing Cabinet
265
640
Stationery
215
535
Miscellaneous
Total Office
5115
10895
 
 
 
 
Master Bedroom
$
$
$
Alarm Clock / Radio
75
200
Bedding / Linen
1000
1500
Bedroom Furniture
900
4000
Chair
105
535
Electric Blanket
100
250
Lamps
215
430
Bed / Mattress / Base
1500
5000
Ornaments / Artwork
350
550
TV / DVD Player
500
1000
Miscellaneous
Total Master Bedroom
4745
13465
 
 
 
 
Bedroom 2
$
$
$
Alarm Clock / Radio
75
200
Bedding / Linen
1000
1200
Bedroom Furniture
900
3000
Chair
105
535
Electric Blanket
100
250
Lamps
215
430
Bed / Mattress / Base
1000
3500
Ornaments / Artwork
350
550
TV / DVD Player
500
1000
Miscellaneous
Total Bedroom 2
4245
10665
 
 
 
 
Bedroom 3
$
$
$
Alarm Clock / Radio
75
200
Bedding / Linen
1000
1200
Bedroom Furniture
900
3000
Chair
105
535
Electric Blanket
100
250
Lamps
215
430
Bed / Mattress / Base
1000
3500
Ornaments / Artwork
350
550
TV / DVD Player
500
1000
Miscellaneous
Total Bedroom 3
4245
10665
 
 
 
 
General and Personal Effects
$
$
$
Antiques
1000
3500
Barbeque
500
5000
Bicycles
1000
2000
Binoculars
150
1200
Cameras
535
2000
Mobile Phones
550
1285
Telephone
200
300
Collections (Stamps / Coins)
1070
1605
Clocks
160
320
Clothing and Footwear
8000
16000
Curtains / Blinds
3000
10000
Dehumidifier
400
1000
Dentures
1080
3000
Game console/accessories/games
1000
4000
Games / Toys etc
640
1070
Outdoor Portable Gas Heater
600
2500
Hearing Aids
3500
10000
Hobby Equipment
535
2140
Jewellery / Watches
3000
5000
Unfixed Mirrors
270
430
Musical Instruments
215
1070
Artwork / Ornaments
320
2675
Portable music player (iPod)
535
1070
Plant Containers & Pots
500
1000
Sewing Machine
550
1500
Spectacles / Glasses (each)
650
1200
Sports Equipment
500
2000
Suitcases / Bags / Purses
600
1000
Unfixed Heaters / Fans / Dehumidifiers
1070
5350
Unfixed Swimming Pool or Spa
1000
10000
Video Cameras
900
2000
Miscellaneous
Total General and Personal Effects
34030
101215
 
 
 
 
Garage / Workshop
$
$
$
Camping Equipment
1000
3500
Garden Hose and Reel
215
535
Ladders / Step Ladder
105
525
Lawn Mower / Wheel Barrow
850
3000
Outdoor Furniture
1100
4500
Tools / Power Tools
1000
4200
Miscellaneous
Total Garage / Workshop
4270
16260
 
 
 
 
Contents Total
$
$
$
Living Areas
17275
52045
Kitchen
8345
18000
Bathroom
2580
6450
Laundry
2500
5730
Office
5115
10895
Master Bedroom
4745
13465
Bedroom 2
4245
10665
Bedroom 3
4245
10665
General and Personal Effects
34030
101215
Garage / Workshop
4270
16260
Grand Total
87350
245390
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