{"id":1247,"date":"2023-03-30T00:00:00","date_gmt":"2023-03-30T00:00:00","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/knowledge\/articles\/landlord-rebuild-cost-calculator\/"},"modified":"2026-04-15T09:20:19","modified_gmt":"2026-04-15T09:20:19","slug":"landlord-rebuild-cost-calculator","status":"publish","type":"knowledge","link":"https:\/\/www.simplybusiness.co.uk\/knowledge\/landlord-insurance\/landlord-rebuild-cost-calculator\/","title":{"rendered":"Landlord rebuild cost calculator \u2013 how much would it cost to rebuild your property?"},"content":{"rendered":"\n<div class=\"wp-block-group has-azure-300-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-69910985 wp-block-group-is-layout-constrained\" style=\"border-radius:10px;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--90);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--90)\">\n<p class=\"wp-block-paragraph\">Your rebuild cost is the estimated price to rebuild your property from scratch, excluding land. It\u2019s what your buildings insurance sum insured should cover. Many UK properties are underinsured, so <a href=\"#calculator\">use the calculator below<\/a> as a guide and consider a professional valuation for accuracy.<\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">As a landlord, knowing the estimated rebuild cost of your rental property helps make sure your investment is fully protected. This guide explains how rebuild costs work, how to calculate your property&#8217;s value, and why insurers require this information.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"#what-is\">what is a rebuild cost?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#value\">rebuild cost vs market value<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#how\">how to do a rebuild cost assessment<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"#cost\">what affects rebuild cost<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#insurance\">why your rebuild cost matters for insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"#faqs\">rebuild cost FAQs<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"calculator\"><strong>Landlord rebuild cost calculator<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Use our calculator to get an estimate of what it could cost to rebuild your rental property. We use recent regional average property prices per square metre and multiply them by the size of your property.*<\/p>\n\n\n<p class=\"wp-block-shortcode\"><link rel='stylesheet' id='formidable-css' href='https:\/\/www.simplybusiness.co.uk\/wp-admin\/admin-ajax.php?action=frmpro_css&#038;ver=3131128' media='all' \/>\n<div class=\"frm_forms  with_frm_style frm_style_simply-business\" id=\"frm_form_43_container\" data-token=\"3401c165f0515f323c395b8cb2b8e1eb\">\n<form enctype=\"multipart\/form-data\" method=\"post\" class=\"frm-show-form  frm_pro_form \" id=\"form_rebuild-cost-calculator2\" data-token=\"3401c165f0515f323c395b8cb2b8e1eb\">\n<div class=\"frm_form_fields \">\n<fieldset>\n<legend class=\"frm_screen_reader\">Landlord rebuild cost calculator<\/legend>\r\n<h3 class=\"frm_form_title\">Landlord rebuild cost calculator<\/h3>\r\n<div class=\"frm_fields_container\">\n<input type=\"hidden\" name=\"frm_action\" value=\"create\" \/>\n<input type=\"hidden\" name=\"form_id\" value=\"43\" \/>\n<input type=\"hidden\" name=\"frm_hide_fields_43\" id=\"frm_hide_fields_43\" value=\"\" \/>\n<input type=\"hidden\" name=\"form_key\" value=\"rebuild-cost-calculator2\" \/>\n<input type=\"hidden\" name=\"item_meta[0]\" value=\"\" \/>\n<input type=\"hidden\" id=\"frm_submit_entry_43\" name=\"frm_submit_entry_43\" value=\"e6c25e3ecc\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/wp-json\/wp\/v2\/knowledge\/1247\" \/><div id=\"frm_field_416_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container\">\r\n\t<label for=\"field_ng76i2\" id=\"field_ng76i2_label\" class=\"frm_primary_label\">Select your region\r\n\t\t<span class=\"frm_required\" aria-hidden=\"true\">*<\/span>\r\n\t<\/label>\r\n\t\t\t<select name=\"item_meta[416]\" id=\"field_ng76i2\"  data-reqmsg=\"Select your region cannot be blank.\" aria-required=\"true\" data-invmsg=\"Select your region is invalid\" aria-invalid=\"false\"  >\n\t\t<option  value=\"6800\">London<\/option><option  value=\"4300\">South East<\/option><option  value=\"3900\">East of England<\/option><option  value=\"3500\">South West<\/option><option  value=\"3600\">England &amp; Wales (National)<\/option>\t<\/select>\n\t\r\n\t\r\n\t\r\n<\/div>\n<div id=\"frm_field_417_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container frm6 frm_first\">\r\n\t<label for=\"field_pnzwv2\" id=\"field_pnzwv2_label\" class=\"frm_primary_label\">Property width (m)\r\n\t\t<span class=\"frm_required\" aria-hidden=\"true\">*<\/span>\r\n\t<\/label>\r\n\t<input type=\"number\" id=\"field_pnzwv2\" name=\"item_meta[417]\" value=\"0\" data-frmval=\"0\" data-reqmsg=\"Property width (m) cannot be blank.\" aria-required=\"true\" data-invmsg=\"Property width (m) is invalid\" aria-invalid=\"false\"   min=\"0\" max=\"9999999\" step=\"any\" \/>\r\n\t\r\n\t\r\n<\/div>\n<div id=\"frm_field_418_container\" class=\"frm_form_field form-field  frm_top_container frm6\">\r\n\t<label for=\"field_rgv3y2\" id=\"field_rgv3y2_label\" class=\"frm_primary_label\">Property length (m)\r\n\t\t<span class=\"frm_required\" aria-hidden=\"true\"><\/span>\r\n\t<\/label>\r\n\t<input type=\"number\" id=\"field_rgv3y2\" name=\"item_meta[418]\" value=\"0\" data-frmval=\"0\" data-invmsg=\"Property length (m) is invalid\" aria-invalid=\"false\"   min=\"0\" max=\"9999999\" step=\"any\" \/>\r\n\t\r\n\t\r\n<\/div>\n<div id=\"frm_field_419_container\" class=\"frm_form_field form-field  frm_top_container\">\r\n\t<label for=\"field_a014f2\" id=\"field_a014f2_label\" class=\"frm_primary_label\">Total area of property (m2)\r\n\t\t<span class=\"frm_required\" aria-hidden=\"true\"><\/span>\r\n\t<\/label>\r\n\t<input type=\"number\" id=\"field_a014f2\" name=\"item_meta[419]\" value=\"\" readonly=\"readonly\"  data-invmsg=\"Total area of property (m2) is invalid\" aria-invalid=\"false\"   min=\"0\" max=\"9999999\" step=\"any\" \/>\r\n\t\r\n\t\r\n<\/div>\n<div id=\"frm_field_420_container\" class=\"frm_form_field form-field  frm_top_container frm12 frm_first vertical_radio\">\r\n\t<div  id=\"field_t7m072_label\" class=\"frm_primary_label\">Include 20% VAT in estimate?\r\n\t\t<span class=\"frm_required\" aria-hidden=\"true\"><\/span>\r\n\t<\/div>\r\n\t<div class=\"frm_opt_container\" aria-labelledby=\"field_t7m072_label\" role=\"radiogroup\">\t\t<div class=\"frm_radio\" id=\"frm_radio_420-0\">\t\t\t<label  for=\"field_t7m072-0\">\n\t\t\t\t\t<input type=\"radio\" name=\"item_meta[420]\" id=\"field_t7m072-0\" value=\"1.2\"\n\t\t data-invmsg=\"Include 20% VAT in estimate? is invalid\"   \/> Yes<\/label><\/div>\n\t\t<div class=\"frm_radio\" id=\"frm_radio_420-1\">\t\t\t<label  for=\"field_t7m072-1\">\n\t\t\t\t\t<input type=\"radio\" name=\"item_meta[420]\" id=\"field_t7m072-1\" value=\"1.0\"\n\t\t data-invmsg=\"Include 20% VAT in estimate? is invalid\"   \/> No<\/label><\/div>\n<\/div>\r\n\t\r\n\t\r\n<\/div>\n<div id=\"frm_field_421_container\" class=\"frm_form_field form-field  frm_top_container frm12 frm_first\">\r\n\t<label for=\"field_5r2ad2\" id=\"field_5r2ad2_label\" class=\"frm_primary_label\">Estimated rebuild cost\r\n\t\t<span class=\"frm_required\" aria-hidden=\"true\"><\/span>\r\n\t<\/label>\r\n\t<p class=\"frm_total_formatted\" data-prepend=\"\" data-append=\"\"><\/p><div class=\"frm_with_box frm_hidden\"><input type=\"number\" id=\"field_5r2ad2\" name=\"item_meta[421]\" value=\"\" readonly=\"readonly\"  data-invmsg=\"Estimated rebuild cost is invalid\" aria-invalid=\"false\"   min=\"0\" max=\"9999999\" step=\"any\" \/><\/div>\r\n\t\r\n\t\r\n<\/div>\n<div id=\"frm_field_422_container\" class=\"frm_form_field form-field  frm12 frm_first\">\r\n\t<div class=\"frm_submit\">\r\n\r\n<button class=\"frm_button_submit frm_final_submit\" type=\"submit\" >Submit<\/button>\r\n\r\n\r\n<\/div>\r\n<\/div>\n\t<input type=\"hidden\" name=\"item_key\" value=\"\" \/>\n\t\t\t<div id=\"frm_field_423_container\">\n\t\t\t<label for=\"field_vxnf\" >\n\t\t\t\tIf you are human, leave this field blank.\t\t\t<\/label>\n\t\t\t<input  id=\"field_vxnf\" type=\"text\" class=\"frm_form_field form-field frm_verify\" name=\"item_meta[423]\" value=\"\"  \/>\n\t\t<\/div>\n\t\t<input name=\"frm_state\" type=\"hidden\" value=\"SGs+jmO8m3Up67hUOKCDoXQgr9HJPYjfD63IDe36xqHMpNR6vxgyqYQf2l1IvrEF\" \/><\/div>\n<\/fieldset>\n<\/div>\n\n<p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"ak_\"><label>&#916;<textarea name=\"ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"ak_js\" value=\"8\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><\/form>\n<\/div>\n<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The above calculator is just an estimate and doesn\u2019t include all costs (for example, planning fees, architects, and demolition). For accuracy, consider a RICS chartered surveyor or professional rebuild assessment<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is\"><strong><strong>What is a rebuild cost?<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A rebuild cost, also known as a reinstatement value, is the total amount required to rebuild your property from the ground up after major damage. This figure covers materials, labour, and professional fees, but completely excludes the value of the land.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You might need to rebuild your property if it suffers complete destruction from an event like a fire, flood, or severe storm.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rebuild values are typically lower than the property\u2019s current market value, or even the price you paid for it. When calculating the rebuild cost for your rental property, the two main factors you need to consider are the current costs of labour and materials.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"value\"><strong>Rebuild cost vs market value<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The market value of your property factors in the desirability of the location, buyer demand, and the land itself. Your rebuild cost strictly focuses on the physical reconstruction: materials, labour, and professional fees (such as architects). Your insurance sum insured must reflect this rebuild cost, not your property&#8217;s sale price.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, if you bought a property for \u00a3350,000 that now has a market value of \u00a3425,000, the actual rebuild cost might still sit below \u00a3300,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The average rebuild cost varies significantly across UK regions. <a href=\"https:\/\/www.gov.uk\/government\/news\/uk-house-price-index-for-december-2025\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">Recent government data<\/a> highlights these regional average property prices to get an idea of market value:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Region<\/strong><\/td><td><strong>Average price December 2025<\/strong><\/td><\/tr><tr><td><strong>East Midlands<\/strong><\/td><td>\u00a3244,000<\/td><\/tr><tr><td><strong>East of England<\/strong><\/td><td>\u00a3338,000<\/td><\/tr><tr><td><strong>London<\/strong><\/td><td>\u00a3551,000<\/td><\/tr><tr><td><strong>North East<\/strong><\/td><td>\u00a3165,000<\/td><\/tr><tr><td><strong>North West<\/strong><\/td><td>\u00a3217,000<\/td><\/tr><tr><td><strong>South East<\/strong><\/td><td>\u00a3379,000<\/td><\/tr><tr><td><strong>South West<\/strong><\/td><td>\u00a3301,000<\/td><\/tr><tr><td><strong>West Midlands<\/strong><\/td><td>\u00a3246,000<\/td><\/tr><tr><td><strong>Yorkshire and the Humber<\/strong><\/td><td>\u00a3208,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div id=\"nba-body-001\">\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">You can also use the following documents to get an idea of the rebuild value of your rental property:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">existing buildings insurance policy documents<\/li>\n\n\n\n<li class=\"wp-block-list-item\">property deeds<\/li>\n\n\n\n<li class=\"wp-block-list-item\">survey report<\/li>\n\n\n\n<li class=\"wp-block-list-item\">mortgage valuation report<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Always remember that figures from historical documents go out of date quickly. Rising costs for labour and materials mean you should regularly reassess your property&#8217;s value when <a data-type=\"knowledge\" data-id=\"984\" href=\"\/knowledge\/buying-and-selling\/how-to-remortgage-a-buy-to-let\/\">remortgaging<\/a> or renewing your buildings insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Read more:<\/strong> <a href=\"\/knowledge\/landlord-insurance\/what-is-landlord-insurance\/\" data-type=\"knowledge\" data-id=\"1154\">The ultimate guide to landlord insurance<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how\">How to do a rebuild cost assessment for your property<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You have two main options to estimate your property\u2019s current rebuild cost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-use-a-rebuild-cost-calculator\">1. Use a rebuild cost calculator<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is a fast and cost-effective option, though it requires some input from you. To get an accurate estimate from a calculator, you need to know:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">when the property was built<\/li>\n\n\n\n<li class=\"wp-block-list-item\">overall size of the property in square metres or feet<\/li>\n\n\n\n<li class=\"wp-block-list-item\">property type and number of rooms<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">We have our own free property rebuild cost calculator on this page. There\u2019s also t<a href=\"https:\/\/abi.bcis.co.uk\/calculator\/calculator.aspx\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">he Building Cost Information Service (BCIS) rebuild cost calculator<\/a>, one of the best-known and widely used. It\u2019s free but you\u2019ll need to register to access it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-using-a-surveyor\">2. Using a surveyor<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The more hands-off and highly accurate approach is to hire a building surveyor. While this costs more than a free online tool, it\u2019s essential for landlords who own listed properties or homes built with non-standard materials, such as thatched roofs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cost\"><strong>What affects rebuild cost (and what a calculator doesn\u2019t include)<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your property\u2019s rebuild cost rises and falls alongside changes in the wider construction industry.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, <a href=\"https:\/\/www.gov.uk\/government\/statistics\/building-materials-and-components-statistics-march-2026\/construction-building-materials-commentary-march-2026\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">new data from the Department for Business &amp; Trade<\/a> found that the price for construction materials increased by 2.1% in February 2026 compared with February 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On top of this, the cost to rebuild your property from scratch could also increase if you make changes such as an extension or <a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/property-maintenance\/how-much-value-does-a-loft-conversion-add\/\">loft conversion<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Key variables that impact your rebuild price include:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">location<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">materials<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">access constraints<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">You also need to budget for additional expenses that standard calculators don\u2019t include:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">planning fees<\/li>\n\n\n\n<li class=\"wp-block-list-item\">architect fees<\/li>\n\n\n\n<li class=\"wp-block-list-item\">demolition<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">waste removal<\/li>\n\n\n\n<li class=\"wp-block-list-item\">VAT<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Keeping up to date with the latest labour and material costs, while also taking rebuild costs into account when renovating your property, will make life easier when it comes to renewing insurance or getting a new <a href=\"\/knowledge\/landlord-tax\/buy-to-let-mortgage-rates-explained\/\" data-type=\"knowledge\" data-id=\"1358\">buy-to-let mortgage<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-30c80bf8 wp-block-group-is-layout-constrained\" style=\"border-radius:10px;margin-top:var(--wp--preset--spacing--90);margin-bottom:var(--wp--preset--spacing--90);padding-top:var(--wp--preset--spacing--90);padding-right:var(--wp--preset--spacing--90);padding-bottom:var(--wp--preset--spacing--90);padding-left:var(--wp--preset--spacing--90)\">\n<h2 class=\"wp-block-heading\" id=\"insurance\"><strong>Why your rebuild cost matters for landlord insurance<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/\" type=\"page\" id=\"1608\" data-type=\"page\" data-id=\"1608\">Insurers<\/a> may need your property\u2019s accurate rebuild cost to determine your premium and coverage limits. This tells them exactly how much it would cost to reconstruct the building if you ever <a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/sme-insurance\/what-to-do-before-making-an-insurance-claim\/\" type=\"knowledge\" id=\"46565\">need to make a claim<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Recent industry analysis revealed that <a href=\"https:\/\/www.insurancetimes.co.uk\/news\/underinsurance-rife-as-just-7-of-properties-covered-adequately\/1456534.article\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">70% of UK properties are underinsured<\/a> and 23% overinsured.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you underestimate the rebuilding costs, you could lose thousands of pounds as the insurer will only pay out up to the amount you provided when taking out your policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Meanwhile if you overestimate how much it would cost to rebuild your property from scratch, you\u2019ll be paying a higher insurance premium unnecessarily.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Greg Caswell-Smith, Insurance Product Manager at Simply Business, says: &#8220;Your property\u2019s market value is what you pay to buy it \u2013 but its rebuild cost is what the bricks, mortar, and builders actually cost. Insurers ask for an accurate figure because they aren\u2019t insuring your purchase price, they\u2019re insuring the consequences of a total loss.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;If you underinsure your property, you could find that you don&#8217;t have enough to rebuild it after a fire or other serious claim. Additionally an &#8216;average clause&#8217; could be applied, meaning any claim payment could be reduced in proportion to the underinsurance \u2013 leaving you with a significant financial shortfall.&#8221;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Read more: <\/strong><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/sme-insurance\/underinsurance-the-hidden-risk-that-could-cost-your-business\/\" type=\"knowledge\" id=\"47845\">Underinsurance: the hidden risk that could cost your business<\/a><\/p>\n\n\n\n<p class=\"has-xsmall-font-size wp-block-paragraph\"><em>Promotion<\/em><\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faqs\"><strong>Rebuild cost FAQs<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Do insurers use the market value or rebuild cost?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Insurers strictly use the rebuild cost. This figure focuses solely on the labour, materials, and fees needed to reconstruct the building, completely excluding the land and location value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How often should I update my rebuild cost?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You should review your rebuild cost at every policy renewal, immediately after completing any renovations or extensions, or if construction material prices spike. Listed or non-standard buildings generally require regular professional assessments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What\u2019s the difference between rebuild cost and reinstatement value?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In the context of property insurance, there\u2019s no difference. Both terms refer to the total cost required to rebuild your property to its previous standard.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Should landlords insure for loss of rent as well as buildings?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-\">Many landlords choose to add loss of rent cover to their policies. This makes sure your rental income is protected if an insured event \u2013 like a fire or flood \u2013 makes the property completely uninhabitable for you<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-useful-guides-for-buy-to-let-landlords\">Useful guides for buy-to-let landlords<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/landlord-regulation\/rules-for-landlords-2026\/\" type=\"knowledge\" id=\"1066\">Renting out your property: rules for landlords in 2026<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/landlord-regulation\/what-is-permitted-development\/\" data-type=\"knowledge\" data-id=\"1260\">What is permitted development? A buy-to-let landlord\u2019s guide<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/landlord-insurance\/building-regulations-indemnity-insurance\/\" data-type=\"knowledge\" data-id=\"1226\">What is building regulations indemnity insurance?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/landlord-tax\/buy-to-let-mortgage-rates-explained\/\" data-type=\"knowledge\" data-id=\"1358\">How to get a buy-to-let mortgage: a simple guide<\/a><\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-94e519ba wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--40)\">\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"h-get-set-with-tailored-landlord-cover\">Get set with tailored landlord cover<\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Over 200,000 UK landlord policies, a 9\/10 customer rating and claims handled by an award-winning team. Looking to switch or start a new policy? Run a quick <a href=\"\/landlord-insurance\/\" data-type=\"page\" data-id=\"1608\">landlord insurance<\/a> quote today.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/landlord\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-xsmall-font-size wp-block-paragraph\"><em>*Regional average property prices from https:\/\/www.plumplot.co.uk\/<\/em><\/p>\n\n\n\n<div id=\"nba-body-end\">\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Use our calculator to get an estimate of what it could cost to rebuild your rental property. <\/p>\n","protected":false},"author":3,"featured_media":4308,"comment_status":"open","ping_status":"closed","template":"","meta":{"sb_hreflang":"","sb_hreflang_url":"","disable_breadcrumbs":false,"sb_breadcrumbs":[],"sb_reviewed_by":"greg-caswell-smith","sb_review_date":"2026-04-14T11:36:03","sb_enable_content_gating":false,"footnotes":""},"categories":[336,351],"hidden-category":[],"coauthors":[20],"class_list":["post-1247","knowledge","type-knowledge","status-publish","has-post-thumbnail","hentry","category-business-structure","category-landlord-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Landlord rebuild cost calculator \u2013 how much would it cost to rebuild?<\/title>\n<meta name=\"description\" content=\"Use this free rebuild cost calculator and learn how can it help landlords to get the right insurance cover. 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