You must always insure your home cover is based upon the rebuild value of the property and not the purchase value.

The purchase value of your home isn't necessarily the same as the cost of rebuilding your home. If you had a survey or valuation completed at the time you bought the property, the valuer should have calculated the rebuilding cost.

It's your responsibility to make sure the sum insured is adequate to rebuild the property.

If you're unsure of rebuilding costs, you can get some information from the ABI website http://abi.bcis.co.uk/ which may be of help, particularly with regard to measuring your home. Alternatively, you should seek professional advice.