...under most policies that the Policyholder takes responsibility for setting their sums insured adequately. It has been established at law that Insurance Companies cannot be held responsible for knowing the reinstatement value of their customers’ property. They will often offer assistance with this, usually referring Policyholders to the Royal Institution of Chartered Surveyors House Rebuilding Cost Index. You can refer to this by clicking here. You will need to know the m2 area of your house.