Insurance companies provide access to web calculators on their websites so that you can estimate out how much it would cost to rebuild your home or replace your belongings. The estimate will be a guide only and it is not a professional valuation. You’ll need to be comfortable that the estimate reflects the actual replacement costs. It’s important to choose an adequate amount and not to be underinsured. Should the worst happen and you have undervalued your assets, you may not have enough financial capacity to rebuild or replace all of your belongings.