Home Insurance Calculators
Do you have enough insurance? Try these online calculators to know how much cover you need to rebuild your home or replace your belongings.
How much cover do I need?
Your home and belongings can change in value over time. Combined with increasing weather-related risks, this can leave some Australians underinsured. Take a few minutes to use these handy insurance calculators and check whether your cover is still right for your circumstances.
Calculators are intended as a guide only.1
Home Building Insurance calculator
Estimate the cost to rebuild your house with the Home Building Insurance calculator.
Home Contents Insurance calculator
Estimate the replacement value of your home contents with the Contents Insurance calculator.
Landlord Contents Insurance calculator
Estimate the cost to replace the contents you provide for your tenants in your investment property.
Get a $150 eGift Card
Switch to an eligible home or landlord insurance policy with an annual premium of $750 or more by 19 December 2026.*
*T&Cs apply. Insurance issued by Allianz.
More value from Bank of Melbourne Home Insurance
One place for your banking and insurance needs
Keep it simple with Bank of Melbourne. Organise your insurance and banking in one place.2
Flexible cover and payment options
Tailor your cover to suit your needs and budget, with flexible options and no extra cost to pay by the month.3
Comprehensive cover
Insure your home and contents for storm damage, floods and bushfires.4
Award winning value... yet again!
Bank of Melbourne has been recognised with the Canstar Outstanding Value Home, Home & Contents and Contents Insurance awards for a third year in a row.
Tools & tips
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Cover your home and belongings in case of storms, floods, fire, theft and more.
Check out our helpful guides
The Detail
*Buy and start an eligible Home or Landlord Insurance policy between 5 October 2026 and 19 December 2026 to receive a $150 eGift card after day 60 of your insurance policy being active. T&Cs apply, including a minimum annual premium of $750. Insurance issued by Allianz. Full T&Cs and eligibility criteria can be found on bankofmelbourne.com.au/150offer.
1The Building and Contents calculators provided by Allianz through a third-party provider, are intended as a guide only. For a more accurate cost to rebuild your home or replace your contents, consider obtaining a professional valuation from a licensed builder or professional valuer.
2Policyholders need to ensure their personal details on their policy match with their Bank of Melbourne accounts. Only primary policyholders can see policies alongside their other Bank of Melbourne accounts.
2Pay by instalment at no additional cost compared with paying annually. Instalments may be subject to minor adjustments due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
4Allianz may not provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
Any financial product advice provided on this page is general in nature and does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement (PDS), supplementary PDS (if applicable) and Target Market Determination (TMD). To see some of the events covered and not covered, please refer to the Key Facts Sheet (KFS).
Home & Contents and Landlord Insurance are issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Bank of Melbourne – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) arranges the initial issue of the insurance under a distribution agreement with Allianz but does not guarantee the insurance.
By selecting 'Get a quote online' you will enter a third-party site hosted by Allianz. Any personal information you provide to Allianz will be collected, used and disclosed in accordance with Allianz’s Privacy Statement and Privacy Policy available on their website.
If you purchase Home & Contents or Landlord Insurance with Allianz the Bank will receive a commission of up to 12% of the premium excluding Government fees and charges, plus GST.
Bank of Melbourne's Privacy Statement is available at bankofmelbourne.com.au/privacy/privacy-statement or by calling 13 22 66. It covers:
- How you can access the personal information Bank of Melbourne holds about you and ask for it to be corrected;
- How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by Bank of Melbourne and how Bank of Melbourne will deal with your complaint; and
- How Bank of Melbourne collect, hold, use and disclose your personal information in more detail.
View the Bank of Melbourne Retail and Business Banking Financial Services Guide and Credit Guide (PDF 223KB)