Though most home owners know insurance is essential for their home and possessions, many are unsure about what their policies cover, whether they have enough or what they need.

We don’t want you to find out the hard way that your insurance doesn’t cover your rebuild, repair or replacement costs, so we’ve got some handy online insurance calculators, provided by Allianz to help you figure out how much cover you need (your ‘sum insured’). They work as guides to help you estimate the replacement value of your home building and contents.

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