Sum Insured Calculator — Property and Contents

The sum insured is the maximum amount an insurer can pay out in the event of a claim. It should reflect the value of the insured property — an understated sum leads to under-insurance and proportional reduction of any claim payout.

Sum insured = floor area (m²) × rebuild cost per m². In 2026, indicative rebuild costs for a flat range from PLN 4,000/m² (standard) to PLN 9,000/m² (premium). The calculator computes this automatically once you select the finish standard.

Under-insurance occurs when the sum insured is lower than the actual value of the property. The insurer then applies the proportionality rule: payout = loss × (sum insured / property value). Example: property worth PLN 400,000 insured for PLN 200,000 — on a PLN 100,000 loss the insurer pays only PLN 50,000.

Reinstatement value = cost of repair/purchase new; actual value = value after depreciation. For property, reinstatement value is recommended — otherwise, after a loss, the payout may not cover the full repair cost.

The sum insured for a house should cover the rebuild cost (materials + labour), not the market value of the plot with the building. Indicative rebuild costs in 2026: PLN 4,500–11,000/m² (standard–premium). The calculator uses approximate market rates for 2026.

Contents (movable belongings) include furniture, electronics (TV/appliances), clothing, jewellery and works of art. Calculate the sum insured for contents at reinstatement value (replacement cost new). Note that high-value items (laptops, e-bikes) often require separate endorsements.

Standard property policies do not cover demolition and debris removal after a total loss. Check whether your policy includes this extension (typically 5–10% of the sum insured). The calculator does not include these costs.

The sum insured should be updated every year at renewal, due to construction cost inflation (rising materials and labour costs). Construction costs in Poland have risen by 10–20% per year in recent years. Index-linking is often offered as part of the package.

There is no legally prescribed minimum for voluntary property insurance. Insurers typically require at least 80% of the reinstatement value. A lower sum activates the proportionality rule when a claim is paid.

'Property' mode: select type (flat/house), finish standard and floor area — the calculator returns a recommended sum insured based on indicative rebuild costs. 'Contents' mode: enter the value of each belongings category — the calculator totals them and suggests a suitable policy sum.