Free tool

Home contents value calculator

Estimate the replacement value of everything in your home, so you insure for the right amount and avoid under-insurance.

Written by Lerato Molefe Personal Insurance Writer Reviewed by Nomsa Dlamini RE5 qualified · 12 years in short-term insurance Updated 26 July 2026 Our editorial standards →

Enter the approximate cost to replace each category new (not what you paid or its second-hand value). Your total is a good starting point for your contents sum insured.

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Estimated contents replacement value R 0

This is an estimate to guide your cover, not a formal valuation. Round up, review it yearly, and specify high-value items separately if your insurer requires it.

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Why insuring for the right value matters

If you insure your contents for less than their full replacement value, most insurers apply “average” when you claim - they cut your payout in proportion to how much you under-insured. Insure for the full new-for-old value and review it each year so you are paid out in full.

Frequently asked questions

How do I work out my home contents value?
Go room by room and add up what it would cost to replace everything new - furniture, appliances, electronics, clothing, linen and kitchenware. This replacement (new-for-old) total is your sum insured. It is almost always higher than people expect, which is why under-insurance is so common.
What happens if I under-insure my contents?
If you insure your contents for less than their full replacement value, most insurers apply 'average' at claim time - they reduce your payout in proportion to how much you under-insured. Insure for the full value, and review it each year, to be paid out in full.
Is this contents calculator accurate?
It gives a solid estimate to work from, not a formal valuation. Use it as a starting point, then confirm exact sums insured and high-value item limits with your insurer. Specify high-value items like jewellery and electronics separately if required.

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