p>For most policies, it’s up to you to estimate how much it would cost to rebuild your home—so take care to get it right. There are two ways of finding out this amount:</p><ul> <li>Hire a surveyor to carry out a professional assessment of your property.</li> <li>Get a rough estimate using a rebuild calculator that’s available on most insurer websites.</li></ul><p><strong>Note:</strong> 'Total replacement' policies will rebuild or repair your home. The insurer (not you) is responsible for estimating the value of the property correctly, so you don’t actually have a sum insured figure on the policy.</p