{
  "id": "v20-uk-rebuild-cost",
  "version": "20.16.0",
  "name": "Home Rebuild Cost Calculator — United Kingdom",
  "shortName": "Home Rebuild Cost",
  "description": "Keep a building reinstatement budget separate from land value, sale price and household contents. GBP planning view; stated limitations apply.",
  "category": "Finance",
  "categorySlug": "finance",
  "keywords": [
    "rebuild-cost",
    "uk",
    "insurance-consumer",
    "insurance-terms"
  ],
  "status": "live",
  "workStatus": "pending",
  "reviewStatus": "pending",
  "migrationStatus": "new",
  "engine": "native",
  "creator": null,
  "reviewer": null,
  "quality": {
    "availability": "live",
    "technicalReviewRecord": "/reviews/v20-uk-rebuild-cost.json",
    "qualifiedReview": "pending",
    "qualifiedReviewer": null,
    "qualifiedReviewDate": null,
    "formulaVersion": "20.16.0",
    "referenceCoverage": "references-listed",
    "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
    "historicalMetadataDate": "",
    "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
  },
  "notice": "Illustrative defaults are not local quotes or verified legal rules. Dated reference components and user-entered assumptions are explicitly distinguished. Professional review is pending.",
  "urls": {
    "page": "/uk/rebuild-cost/",
    "definition": "/uk/rebuild-cost/definition.json",
    "schema": "/uk/rebuild-cost/schema.json",
    "llms": "/uk/rebuild-cost/llms.txt",
    "legacyDefinition": "/uk/rebuild-cost/definition.json"
  },
  "queryExample": "https://askcalculators.com/uk/rebuild-cost/?unitSystem=metric&area=150&rebuildRate=0&demolition=0&professionalFees=0&contingency=10&contents=0&annualPremium=0&annualFees=0&monthlyFee=0&spreadPercent=15",
  "queryParameters": {
    "unitSystem": {
      "label": "Measurement system",
      "type": "select",
      "required": false,
      "default": "metric"
    },
    "area": {
      "label": "Insured floor area",
      "type": "number",
      "required": true,
      "default": 150
    },
    "rebuildRate": {
      "label": "Verified local rebuild price per area unit",
      "type": "money",
      "required": true,
      "default": 0
    },
    "demolition": {
      "label": "Demolition and clearance allowance",
      "type": "money",
      "required": true,
      "default": 0
    },
    "professionalFees": {
      "label": "Professional/statutory fee allowance",
      "type": "money",
      "required": true,
      "default": 0
    },
    "contingency": {
      "label": "Rebuild contingency",
      "type": "percent",
      "required": true,
      "default": 10
    },
    "contents": {
      "label": "Separate contents replacement value",
      "type": "money",
      "required": true,
      "default": 0
    },
    "annualPremium": {
      "label": "Actual quoted annual premium",
      "type": "money",
      "required": true,
      "default": 0
    },
    "annualFees": {
      "label": "Annual policy/administration fees",
      "type": "money",
      "required": true,
      "default": 0
    },
    "monthlyFee": {
      "label": "Additional installment fee per month",
      "type": "money",
      "required": true,
      "default": 0
    },
    "spreadPercent": {
      "label": "Quote sensitivity range",
      "type": "percent",
      "required": true,
      "default": 15
    }
  },
  "inputs": [
    {
      "id": "unitSystem",
      "label": "Measurement system",
      "type": "select",
      "defaultValue": "metric",
      "options": [
        {
          "value": "imperial",
          "label": "Imperial (US gallons / short tons where relevant)"
        },
        {
          "value": "metric",
          "label": "Metric"
        }
      ]
    },
    {
      "id": "area",
      "label": "Insured floor area",
      "type": "number",
      "defaultValue": 150,
      "required": true,
      "min": 0.01,
      "max": 10000000,
      "suffix": "m²",
      "unitConversion": {
        "factor": 0.09290304,
        "offset": 0,
        "inverse": false,
        "metric": "m²",
        "imperial": "ft²",
        "canonicalMin": 0.01,
        "canonicalMax": 10000000
      },
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "rebuildRate",
      "label": "Verified local rebuild price per area unit",
      "type": "money",
      "defaultValue": 0,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "prefix": "GBP",
      "suffix": "/m²",
      "unitConversion": {
        "factor": 0.09290304,
        "offset": 0,
        "inverse": true,
        "metric": "m²",
        "imperial": "ft²",
        "canonicalMin": 0,
        "canonicalMax": 1000000000000
      },
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "demolition",
      "label": "Demolition and clearance allowance",
      "type": "money",
      "defaultValue": 0,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "GBP",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "professionalFees",
      "label": "Professional/statutory fee allowance",
      "type": "money",
      "defaultValue": 0,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "GBP",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "contingency",
      "label": "Rebuild contingency",
      "type": "percent",
      "defaultValue": 10,
      "required": true,
      "min": 0,
      "max": 100,
      "step": 0.1,
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "contents",
      "label": "Separate contents replacement value",
      "type": "money",
      "defaultValue": 0,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "GBP",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "annualPremium",
      "label": "Actual quoted annual premium",
      "type": "money",
      "defaultValue": 0,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "GBP",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "annualFees",
      "label": "Annual policy/administration fees",
      "type": "money",
      "defaultValue": 0,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "GBP",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "monthlyFee",
      "label": "Additional installment fee per month",
      "type": "money",
      "defaultValue": 0,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "GBP",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "spreadPercent",
      "label": "Quote sensitivity range",
      "type": "percent",
      "defaultValue": 15,
      "required": true,
      "min": 0,
      "max": 100,
      "step": 0.1,
      "help": "Illustrative starting value; replace with your own evidence."
    }
  ],
  "outputs": [
    {
      "id": "structure",
      "label": "Area-based structure allowance",
      "format": "currency",
      "digits": 2,
      "currency": "GBP"
    },
    {
      "id": "buildingSum",
      "label": "Modeled building reinstatement sum",
      "format": "currency",
      "digits": 2,
      "primary": true,
      "currency": "GBP"
    },
    {
      "id": "contentsSum",
      "label": "Separate contents amount",
      "format": "currency",
      "digits": 2,
      "currency": "GBP"
    },
    {
      "id": "annualPremium",
      "label": "Entered annual premium",
      "format": "currency",
      "digits": 2,
      "currency": "GBP"
    },
    {
      "id": "annualCost",
      "label": "Annual premium and payment fees",
      "format": "currency",
      "digits": 2,
      "currency": "GBP"
    },
    {
      "id": "monthlyEquivalent",
      "label": "Monthly equivalent cost",
      "format": "currency",
      "digits": 2,
      "currency": "GBP"
    },
    {
      "id": "low",
      "label": "Low quote scenario",
      "format": "currency",
      "digits": 2,
      "currency": "GBP"
    },
    {
      "id": "high",
      "label": "High quote scenario",
      "format": "currency",
      "digits": 2,
      "currency": "GBP"
    }
  ],
  "formula": {
    "expression": "building sum = (floor area × scoped rebuild rate + clearance + fees) × (1 + contingency).",
    "note": "Inputs are converted to canonical units before evaluating this stated formula."
  },
  "examples": [
    {
      "label": "Illustrative defaults; required verification checks remain unconfirmed",
      "inputs": {
        "unitSystem": "metric",
        "area": 150,
        "rebuildRate": 0,
        "demolition": 0,
        "professionalFees": 0,
        "contingency": 10,
        "contents": 0,
        "annualPremium": 0,
        "annualFees": 0,
        "monthlyFee": 0,
        "spreadPercent": 15
      }
    }
  ],
  "sources": [
    {
      "label": "NAIC consumer insurance resources",
      "url": "https://content.naic.org/consumer"
    },
    {
      "label": "NAIC insurance glossary",
      "url": "https://content.naic.org/glossary-insurance-terms"
    }
  ],
  "publicSlug": "rebuild-cost",
  "namespace": "uk",
  "countries": [
    "us",
    "ca",
    "uk",
    "ie"
  ]
}