Domestic Insurance

Covering what's important to you

We are experienced insurance brokers, so we can protect what matters to you the most. Greenstone Insurance provides a comprehensive range of cover for you and everything that makes a difference to the way you like to live.

We can offer advice on:

Private Motor, Motorcycle, Classic Vehicles
Roadside Assistance
Mortgage Protection
Contract Works Insurance
Landlord’s Insurance

Use this Calculator to determine the Sum Insured of your Home Contents.


What is Sum Insured Replacement?

Sum Insured Replacement is the amount you choose to insure your home for.

Your Sum Insured needs to reflect the estimated cost of rebuilding your home from scratch taking into account demolition and debris removal costs.

To find out the estimated rebuild cost for your home you can:

Seek independent advice from a builder, registered quantity surveyor or registered valuer – this should be a written valuation and for insurance purposes.  It should not include any market value component or land value.

Use the Cordell Calculator to get an estimate based on detailed information you provide about your home.

AMP has released a new version of the calculator – Cordell Sum Sure – which makes calculating a home’s replacement value quick and easy.

What’s the Sum Sure difference?

Instead of manually entering all the details of your home, you simply need to enter your street address and Sum Sure will search third-party databases for address-specific property details. If the home is a standard property, Sum Sure will combine the information received with New Zealand construction research to provide the replacement value for the searched address.

What do you need to remember when using Sum Sure?

It’s important to remember that while Sum Sure will populate the ‘known’ details of the property, the onus is still on you to verify that the details provided are correct.
Sum Sure can’t populate the information for properties that are part of a multi-unit block, body corporate, or for any non-standard houses such as permanently sited caravans.

There may be times where Sum Sure won’t be able to automatically provide the rebuild cost. In these cases, the tool will revert back to the previous calculator and all the details of the home will need to be entered manually.

The estimate provided is exclusive of GST.

To use Sum Sure, you simply need to use the same links you used previously – we’ll be updating everything from our end.

Note: CoreLogic NZ, the provider of Sum Sure, will not accept any responsibility for liability arising from an incorrectly estimated rebuild cost.

Setting an adequate Sum Insured is your responsibility.

If you are taking out a new Home Insurance policy, you will be required to provide a Sum Insured value for your home.

If you have existing Home Insurance and have not specified a Sum Insured, your policy will have renewed every year using a default Sum Insured value.
The default Sum Insured may not be adequate to replace your home or any other structures at your property.

Your Sum Insured is usually automatically adjusted each year

It is a good idea to review your Sum Insured and your home’s rebuild cost estimate regularly.

We recommend doing this every two to three years.

You may need to factor in any renovations or extensions and other changes such as inflation, changes in building costs and consumer price indexing.

An annual indexation is applied to the Sum Insured on renewal every year for inflation. However, you should not rely on this as an adequate reflection of any increase in costs.



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