★★★★★
"Great company to deal with, really transparent process to get a sum insured report that kept me updated throughout. Report came in much quicker than expected. Would use again!"
★ AFR Client Choice Award winners 2021 to 2026
Know what it would cost to rebuild. Keep that figure current for three years.
An onsite insurance replacement cost assessment by a qualified quantity surveyor, accepted by every major Australian insurer and broker. Choose three-year cover and the figure is revised at Year 2 and Year 3, with nothing to pay at the time.
Three-year cover from
+ GST
Sums Insured Assessment. Comprehensive Assessment + GST. One-off reports available.
4.9 / 5250+ Google reviews
50,000+Reports delivered
AcceptedBy all major insurers and brokers
What you receive
- Onsite inspection by a qualified quantity surveyor
- Total replacement cost with escalation, professional fees and demolition allowances
- Construction materials, fire services, security, satellite overview and photographic record
- Building-by-building figures and descriptions with the Comprehensive Assessment
- Year 2 and Year 3 revisions included with three-year cover, no fee at the time
About five minutes. Nothing to pay now.
2.8%
National construction cost growth, year to June 2026
~30%
Rise in the cost to build a house since 2019
$0
Payable at the Year 2 and Year 3 revisions
7–14
Business days from inspection to report
— As Featured In —
Choose your assessment
Both are onsite assessments prepared by a qualified quantity surveyor, and both are available with three-year cover. The difference is how far the detail goes.
Four or more buildings means each one is measured and described separately and the assessor is on site for several hours, so this is a Comprehensive Assessment.
Worth knowing. The three-year uplift is , and it includes two anniversary revisions worth around each. Most owners take the cover so the figure never goes stale.
Your selection
Continue to booking Compare the two assessments line by line
| Feature | Sums Insured | Comprehensive |
|---|---|---|
| Inspection and scope | ||
| Onsite inspection by a qualified quantity surveyor | ✓ | ✓ |
| Overall property description | ✓ | ✓ |
| Inclusions and exclusions identified | ✓ | ✓ |
| Whole-of-property figures | ||
| Total replacement cost for the building(s) | ✓ | ✓ |
| Total cost escalation period | ✓ | ✓ |
| Total cost escalation allowance | ✓ | ✓ |
| Total professional and consultant fees | ✓ | ✓ |
| Total demolition and debris removal | ✓ | ✓ |
| Building-by-building figures | ||
| Individual replacement cost per building | ✗ | ✓ |
| Individual cost escalation period | ✗ | ✓ |
| Individual cost escalation allowance | ✗ | ✓ |
| Individual professional and consultant fees | ✗ | ✓ |
| Individual demolition and debris removal | ✗ | ✓ |
| Property record and risk detail | ||
| Number of buildings on the site | ✓ | ✓ |
| Locality, and distance from the nearest major centre | ✓ | ✓ |
| Overview of building materials: ground floor, upper floor, walls, roof | ✓ | ✓ |
| Overview of fire services and protection | ✓ | ✓ |
| Security system observed | ✓ | ✓ |
| Satellite overview | ✓ | ✓ |
| Photographic record | ✓ | ✓ |
| Individual building descriptions | ✗ | ✓ |
| Building use explanation | ✗ | ✓ |
| Approximate age of each building | ✗ | ✓ |
| Approximate gross floor area (m²) | ✗ | ✓ |
| Expanded polystyrene (EPS) observed | ✗ | ✓ |
| EPS as a proportion of floor area | ✗ | ✓ |
| Included with three-year cover | ||
| Year 2 revision, no fee at the time | ✓ | ✓ |
| Year 3 revision, no fee at the time | ✓ | ✓ |
A cross does not mean the item is missing from the Sums Insured Assessment. It means the figure or description is reported for the property as a whole rather than for each building.
Book your assessment
Fill in the details below. Within one business day we email the proposal for the option you chose, ready to review and sign online. Then we arrange the inspection with the contact you nominate.
What happens after you book
- We email your proposalWithin one business day. It opens on the assessment and term you chose here; review it, switch if you like, and accept and sign online.
- We arrange the inspectionOnce accepted, our team contacts the person you nominate to book access. The invoice is issued at this point.
- Your report is deliveredUsually 7 to 14 business days after the inspection, prepared by a qualified quantity surveyor and accepted by all major Australian insurers and brokers.
- Revisions at Year 2 and Year 3Under three-year cover we re-run your figure against current construction rates at each anniversary. No site access, no time from you, no fee at the time.
What three-year cover actually buys you
Your figure never goes staleEach anniversary resets your sum insured against current construction rates, so the gap never has three years to compound.
Nothing to pay at the anniversaryThe revisions are covered by the original engagement. No invoice arrives at Year 2 or Year 3, and no approval is needed to get them.
No second inspectionA revision runs off the measurements taken at your original inspection. No site access to arrange, no tenant to notify, no day lost.
Protection against the average clauseWhere a sum insured falls materially short, insurers can reduce a payout in proportion, on partial losses as well as total ones. A current figure is the defence.
One less renewal conversationFor brokers and property managers the update turns up on time without a chase, with a current, dated, independent figure to place cover against.
Independent and defensibleEvery figure, original and revised, is prepared by qualified quantity surveyors and accepted by all major Australian insurers and brokers.
Common questions
How often should I update my sum insured?
Every year. A revision can be prepared from your existing assessment for up to three years after the inspection, which keeps pace with construction cost movement. Beyond three years the property needs a fresh inspection, because a desk review cannot see extensions, new structures, a change of building use, or upgraded finishes.
What exactly is three-year cover?
It bundles your assessment and its next two annual revisions into a single engagement. You receive a full onsite assessment now, then a revision at each of the following two anniversaries. The revisions are included and there is no fee at the time they are prepared. Bought on their own each revision is + GST, so the cover is materially cheaper than paying as you go.
Do you need to inspect the property again?
Not within the cover term. The measurements and building detail from your original inspection carry forward, so a revision needs no site access and no time from you. After three years we do inspect again, because by then the record is old enough that a desk review can no longer stand behind it.
What if the building changes during the cover term?
Let us know. An extension, a new outbuilding, a change of use or a significant refurbishment can move a replacement cost well beyond anything escalation would explain, and a revision cannot see it. Three-year cover is priced on the basis that the property is unchanged, so where there has been material work we will tell you whether it can be handled on paper or whether the property should be re-inspected, and what that costs.
Which assessment do I need?
A Sums Insured Assessment gives you a defensible total replacement cost for the site, plus a record of how the buildings are built and how they are protected: construction materials, fire services, security, a satellite overview and a photographic record. It covers sites of three buildings or fewer. A Comprehensive Assessment breaks the total down building by building and adds per-building descriptions, use, age and floor areas. From four buildings on a site, it is a Comprehensive Assessment.
Do insurers accept the reports and the revisions?
Yes. Every report and every revision is prepared by qualified quantity surveyors on the same basis as the original assessment, and is accepted by all major Australian insurers and brokers.
When do I pay?
Nothing is due when you book. We email a proposal for you to review and sign; the invoice is issued once you accept it. The Year 2 and Year 3 revisions under three-year cover carry no fee at the time they are prepared.
Client stories
What property owners say about us
Rated 4.9 out of 5 across more than 250 Google reviews.
★★★★★
"PASTE A REAL INSURANCE ASSESSMENT REVIEW HERE, THEN REMOVE THE hidden ATTRIBUTE ON THIS CARD."
★★★★★
"PASTE A REAL BROKER OR STRATA REVIEW HERE, THEN REMOVE THE hidden ATTRIBUTE ON THIS CARD."