Home Insurance Calculators
Do you have enough insurance? Try these online calculators to know how much cover you need to rebuild your home or replace your belongings.
How much cover do I need?
Research has shown that 4 in 5 Aussie homeowners and renters could be underinsured, potentially leaving them without enough cover for their home and their belongings.1
Make sure you have enough insurance cover should the unexpected happen, from theft and burglary through to floods, fires and storms2, by using these calculators. Calculators are intended as a guide only.3
Home Building Insurance calculator
Estimate the cost to rebuild your house with the Home Building Insurance calculator.
Home Contents Insurance calculator
Estimate the replacement value of your home contents with the Contents Insurance calculator.
Landlord Contents Insurance calculator
Estimate the cost to replace the contents you provide for your tenants in your investment property.
Get a $150 eGift Card
Buy a new eligible home or landlord insurance policy, with a minimum premium of $750 and get a $150 eGift card.* Offer ends 28 November 2025.
*T&Cs apply. Insurance issued by Allianz.
More value from BankSA Home Insurance
One less step
Sort out your insurance and banking together.
Flexible payment options
No extra cost to pay by the month so you can better manage your budget.4
All in one place
See your insurance policies next to your bank accounts in the App.5
Comprehensive cover
Insure your home and contents for storm damage, floods and bushfires.2
Award winning value... yet again!
BankSA has been recognised with the Canstar Outstanding Value Home, Home & Contents and Contents Insurance awards for a second year in a row.
Tools & tips
Compare Home Insurance products
Cover your home and belongings in case of storms, floods, fire, theft and more.
Check out our helpful guides
Important information
*Buy an eligible home, landlord or motor insurance policy between 2 October 2025 and 28 November 2025 to receive a $150 eGift card after day 60 of your insurance policy being active. T&Cs apply, including a minimum annual premium of $750. Insurance issued by Allianz. Full T&Cs and eligibility criteria can be found on banksa.com.au/insuranceoffers.
2Allianz may not provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
3The Building and Contents calculators provided by Allianz through a third-party provider, are intended as a guide only. For a more accurate cost to rebuild your home or replace your contents, consider obtaining a professional valuation from a licensed builder or professional valuer.
4Pay by instalment at no additional cost compared with paying annually. Instalments may be subject to minor adjustments due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
5Policyholders need to ensure their personal details on their policy match with their BankSA accounts. Only primary policyholders can see policies alongside their other BankSA accounts.
Any financial product advice provided on this page is general in nature and does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement (PDS), supplementary PDS (if applicable) and Target Market Determination (TMD). To see some of the events covered and not covered, please refer to the Key Facts Sheet (KFS).
Home & Contents and Landlord Insurance are issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). BankSA – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) arranges the initial issue of the insurance under a distribution agreement with Allianz but does not guarantee the insurance.
By selecting 'Get a quote' you will enter a third-party site hosted by Allianz. Any personal information you provide to Allianz will be collected, used and disclosed in accordance with Allianz’s Privacy Statement and Privacy Policy available on their website.
If you purchase Home & Contents or Landlord Insurance with Allianz the Bank will receive a commission of up to 12% of the premium excluding Government fees and charges, plus GST.
BankSA's Privacy Statement is available at banksa.com.au/privacy/privacy-statement or by calling 13 13 76. It covers:
- How you can access the personal information BankSA holds about you and ask for it to be corrected;
- How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by BankSA and how BankSA will deal with your complaint; and
- How BankSA collect, hold, use and disclose your personal information in more detail.