Home Insurance Calculator
Estimate the reconstruction cost of your home and audit your sum insured against inflation.
Quick Summary: Home Insurance Calculator
For FY 2026-27, home insurance should be based on 'Reconstruction Cost' (materials + labor), which ranges from ₹3,500 - ₹5,500 per sq.ft in Indian metros. Land value should not be included as it is not an insurable risk.
How to use the Home Insurance Calculator
- 1
Input Built-up Area
Enter the total square footage of your house structure.
- 2
Select Construction Quality
Choose from Standard, Premium, or Luxury finishes to estimate per sq.ft costs.
- 3
Add Content Value
Input the current market value of electronics, furniture, and appliances.
- 4
Calculate Sum Insured
Get the total recommended insurance value for both structure and contents.
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Regulatory Disclaimer
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.