-
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.)
You are reading a single comment by @jsabine and its replies.
Click here to read the full conversation.
jsabine
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.