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  • Rebuild is the cost of 'building the house', everything else is contents insurance.

    Fancy additions like wood sash windows and engineered flooring with wet heating underneath are contents.

  • Fancy additions like wood sash windows and engineered flooring with wet heating underneath are contents.

    Windows and your heating system are contents, not part of rebuilding?

    I call bollocks.

    Funnily enough, if we look at the RICS page on calculating rebuilding costs, we find that:

    A house or a flat consists of the structure including all walls, roof, floors, partitions, doors and windows; any applied finishes and decorations; built-in fittings including fitted wardrobes and kitchens; the installations for heating, hot and cold water, gas, electricity, lighting (excluding light fittings), ventilation, sanitation and disposal, including all sanitary fittings

    ( @aggi, FWIW our home insurance - Pedalcover, underwritten by AXA - gives a flat rate of £1m for rebuilding cost, which conveniently avoids any need to give them an accurate figure, but the ABI/RICS calculator will give you a number which is at least defensible. It gives us £360k (3 bed Victorian semi, reasonably spacious), but suggests the range could be £300-£450k.)

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