Residential Insurance Cost Assessments

Protect Your Home With an Accurate Insurance Cost Estimate

Your home is one of your most valuable assets — but without a current, professional insurance cost estimate, you could be underinsured in the event of a fire, flood, or storm.

We provide independent,  residential insurance valuations to help homeowners, landlords, and insurance brokers determine the correct sum insured for all types of residential dwellings.

Whether it's a suburban family home, high-end architectural residence, or investment property, we ensure your coverage aligns with real-world rebuild costs.

What Is a Residential Insurance Cost Estimate?

• A residential insurance cost estimate is a report that determines how much it would cost to fully replace your home and improvements after a total loss — including costs for demolition, professional fees, rebuild delays, and GST.

• It is not a market valuation — it’s a dedicated replacement cost estimate prepared in accordance with the Australian Property Institute’s ANZVGP 104 (effective 1 July 2025) for insurance purposes only.

Why You Need a Professional Home Replacement Estimate

• Avoid Underinsurance
  Many homeowners only realise their sum insured is too low after it’s too late. Don’t rely on online calculators or outdated figures.

• Prevent Overpaying Premiums
  Overestimating your rebuild cost can lead to unnecessarily high premiums or policy issues.

• Support from Insurers & Brokers
  Our reports are recognised by major insurers and brokers as a reliable basis for setting residential sum insured amounts.

• Reflect Real Costs
  We account for current construction prices, escalation, demolition costs, planning compliance, and more.

What’s Included in Our Residential Reports?

Each report includes:

• Property description, materials, and layout

• Inspection or desktop assessment

• Estimated reinstatement or replacement cost

• Cost breakdown:

  • Base construction cost

  • Demolition and debris removal

  • Professional fees

  • Cost escalation (lead time and rebuild period)

  • GST (where applicable)
    
    

• Clear assumptions, exclusions, and disclaimers

• Easy-to-read PDF and summary format for brokers/insurers

Property Types We Cover

• Standalone residential dwellings

• Duplexes, terraces, and semi-detached homes

• Apartments (owner-occupied or investment units)

• Heritage and architect-designed homes

• Luxury and high-value residences

• Holiday homes, rural dwellings, and regional properties