Make sure your home is insured for the right amount.
Bought a new home? Renewing your insurance? A RICS-regulated Rebuild Cost Assessment tells you the true cost to rebuild your property - so you're never caught out by a reduced claim payout. Broker-ready reports in 24 hours.
What type of property needs insuring?
Free risk read-out and tailored recommendation - takes about a minute.
What is a Rebuild Cost Assessment?
In plain English: it's a RICS-regulated calculation of what it would actually cost to rebuild your home from scratch, not what you paid for it and not what it's worth on the market - and it's the figure your buildings insurance sum insured should be based on, because your insurer will only ever pay out up to that number. Get it wrong, and you could end up covering thousands of pounds of the rebuild yourself, even after years of paying your premiums.
When should new owners check this?
The first few months after buying are exactly when your sum insured is most likely to be wrong.
You've just moved in
New owners often inherit whatever sum insured the previous policy happened to have - not a figure calculated for your property's actual rebuild cost.
Your lender required cover, not a figure
Mortgage lenders insist you're insured to full rebuild value, but they don't tell you what that value actually is - working it out is down to you.
You've bought a leasehold flat
Check when the block's assessment was last reviewed. A missing or outdated figure is often a sign the building is already underinsured.
You kept the seller's policy details
A figure carried over from the previous owner's cover was set for their circumstances, and may already be years out of date.
Your first renewal is coming up
Renewal is the natural point to swap a guessed or inherited figure for one calculated properly for your home.
You're planning to extend or renovate
Any work carried out after moving in changes what it would actually cost to rebuild - the original figure will fall behind fast.
A RICS-regulated assessment vs online rebuild cost calculators
Free rebuild cost calculators and insurer-supplied estimators use generic per-square-metre averages. They don't account for your property's actual construction, specification or location - and they carry no RICS accountability if the figure is ever questioned after a claim.
A RICS Rebuild Cost Assessment is different: it's a regulated valuation, carried out by a chartered surveyor, indexed to BCIS build cost data for your property's actual location and specification.
An online calculator figure offers no defence. A RICS-regulated assessment does.
Choose the assessment that fits your home
Whether you own a standard house, a flat, or a listed property, there's a straightforward option for you.
01. Desktop
Desktop Rebuild Cost Assessment
BCIS-indexed rebuild cost modelling delivered within 24 hours. No site visit required. Ideal for standard houses, bungalows and flats.
- RICS-regulated, broker-ready report
- BCIS-indexed rebuild cost modelling
- Delivered within 24 hours - no site visit
- Accepted by every UK insurer
Listed or non-standard property? An On-Site Survey may be required instead.
02. On-Site
On-Site Rebuild Cost Assessment
A RICS surveyor attends in person for full measurement and construction analysis. Required for listed buildings, heritage properties and complex structures.
- RICS-regulated, broker-ready report
- Surveyor attends in person, full measurement
- Required for listed, heritage & complex buildings
- The insurer-preferred option for high-value risk
- Accepted by every UK insurer
Managing more than one property? Ask about the 3-Year Protection Plan.
03. Recommended
3-Year Rebuild Cost Assessment Plan
One instruction covers three years of RICS compliance. Full Rebuild Cost Assessment in year one, annual BCIS-indexed renewal reports delivered before each renewal date.
- RICS-regulated, broker-ready report
- Full assessment year one, indexed updates years two & three
- One instruction, one invoice - no re-instructing
- The preferred choice for agents & portfolio landlords
- Accepted by every UK insurer
Saves the cost and admin of re-instructing every year.
Get this figure wrong, and you pay the price.
After a loss, insurers pay out based on rebuild cost, not market value and not what you paid for the property. Get the sum insured wrong, and the insurer applies the average clause, cutting your payout in proportion to the shortfall on every claim, not just a total loss.
A RICS-regulated Rebuild Cost Assessment is the only reliable basis for your buildings sum insured.
See what underinsurance actually costsRebuild Cost Assessments across the UK.
Our desktop Rebuild Cost Assessment is available for any property nationwide, typically delivered within 24 hours. On-site rebuild cost surveys are carried out across England, Scotland, Wales and Northern Ireland - including established demand in London, the Midlands, Birmingham and Sussex.
Wherever the property sits, every report is BCIS-indexed to local rebuild costs and accepted by all UK insurers.
Request an AssessmentRegions we assess
The buildings we cover
From a Grade II listed cottage with a modern extension to a purpose-built block of flats, we assess every type of property. Whatever the age, construction or use, we produce a RICS-regulated rebuild cost figure - we cover all building types.
Listed & Heritage Buildings
Grade I, Grade II* and Grade II listed properties, assessed with traditional materials and craftsmanship costed in.
Period & Traditional Homes
Victorian, Georgian, Edwardian and older properties, including solid-wall and non-standard construction.
Extensions & Alterations
Extended, converted or refurbished buildings where a previous valuation no longer reflects the current structure.
Blocks of Flats & Apartments
Purpose-built and converted blocks, including communal areas, shared services and multi-storey structures.
Commercial & Mixed-Use
Offices, retail, industrial units and mixed residential-commercial premises of every size.
New-Build & Modern Construction
Contemporary homes, developments and non-traditional builds indexed to current BCIS rebuild cost data.
If it has a roof and a sum insured, we can assess it - we cover all building types across the UK.
Everything you need to get it right
Plain-English guides covering every question homeowners ask us.
What Is an RCA?
A plain-English explainer - what it is, and why it's not the same as market value.
Read the guide →RCA vs Market Value
A clear, visual comparison of the two figures - and why they diverge.
Read the guide →Do I Need One?
The specific situations that mean it's time to get an assessment.
Read the guide →How Much Does It Cost?
What determines price, and how to get a fixed quote.
Read the guide →What If I'm Underinsured?
The average clause explained, with a worked example.
Read the guide →Common questions.
Straightforward answers to the questions homeowners and property owners ask most about Rebuild Cost Assessments.