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In Ldn you should probably work off about £1800 per square metre for rebuild. £2000 if you want to be super safe.
@Mr_Sworld is weird and / or trolling. Obviously windows are part of the building. As is the kitchen, bathroom etc. Contents is basically what you'd take if you moved house.
It also doesn't cost you any more to rebuild if you don't own the land. Why would it?
Lots of standard buildings insurance doesnt limit the rebuild cost now, I've been with M&S and Post Office recently and neither did.
Hefty
My buildings insurance quote has suggested that the rebuild value (£269k for a terraced, victorian house split into two flats) is too low. Is this a case of getting a surveyor in to give a reasonable estimate? Any suggestions for the likely cost (and a surveyor) if that is the case?