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Home Building Costs per square foot

It is common sense to take out buildings insurance when you purchase a property in the UK. In any event, if you are taking out a mortgage, your lender will insist on it. You will need to know the rebuilding cost of your property so that you may insure for the correct amount.

You can make your own estimate by finding out the external floor area of your home - both upstairs and downstairs, and then multiplying this number by the estimated home building cost per square foot or square metre. Depending on where you live and what type of property you live in, rebuilding costs currently vary between £100 and £200 per square foot.

The sum insured under a buildings policy must be the full rebuilding cost of the home. Do remember that the market value of your home or the Council Tax band valuation actually has no direct relationship to the rebuilding cost.

You may instruct a member of the Royal Institution of Chartered Surveyors to prepare a professional Rebuilding Cost Assessment for insurance purposes and they too will likely use the current home building costs per square foot method.

Alternatively, you could work out the cost yourself. The RICS has a detailed "Guide to House Rebuilding Costs" published annually by its Building Cost Information Service. It contains 16 main tables of costs for four regional groups, five house types, three sizes of house and three quality specifications. However, it is quite pricey at over £50.

You may, in the first instance, want to take a look at the Association of British Insurers less detailed free access Buildings Insurance Calculator.

NOTE - These are general discussion articles only.


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Architectural and Building Design Services - for planning permission and building regulations within Marlow, High Wycombe, Maidenhead, Bucks, Berks and Oxon areas.

Residential development for household extensions, conversions and new dwellings.

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