Generated by All in One SEO v5.0.1.1, this is an llms.txt file, used by LLMs to index the site. # Sum Insured The simple antidote to underinsurance ## Sitemaps - [XML Sitemap](https://suminsured.com.au/sitemap.xml): Contains all public & indexable URLs for this website. ## Pages - [Sum Insurance Home Page](https://suminsured.com.au/) - Sum Insured helps reduce the risk of underinsurance by providing the most accurate replacement models in the market. - [Landlord](https://suminsured.com.au/products-services/calculator/) - CIRCA landlord helps insurers, agencies and brokers to cover a landlord’s contents for the correct replacement cost. - [2026 Australian Residential Contents Index Released](https://suminsured.com.au/2026-australian-residential-contents-index-released/) - 2026 Australian Residential Contents Index Released Sum Insured has released the 2026 Australian Residential Contents Index (RCI), revealing important insights into residential contents replacement costs across Australia.The headline finding: home contents replacement costs have increased by 18% since 2020, while Australian CPI increased by 4.6% over the 12 months to March 2026, compared with a - [Articles](https://suminsured.com.au/articles/) - Read our latest industry insights from the team at Sum Insured. - [Research](https://suminsured.com.au/research/) - Our data team is dedicated to building increased accuracy into our models which requires a significant amount of ongoing research. - [2025 New Zealand Residential Contents Index](https://suminsured.com.au/articles/2025-new-zealand-residential-contents-index/) - 2025 New Zealand Residential Contents Index Sum Insured has just released the 2025 New Zealand Residential Contents Index (RCI), revealing critical insights for the insurance industry. The headline figure a 30.8% increase in home contents replacement costs since the index began in 2013. What is the RCI? The Residential Contents Index is a specialised tool - [2025 Australian Residential Contents Index Released](https://suminsured.com.au/articles/2025-australian-residential-contents-index-released/) - 2025 Australian Residential Contents Index Released Sum Insured has just released the 2025 Australian Residential Contents Index (RCI), revealing critical insights for the insurance industry. The headline figure: a 16.3% increase in home contents replacement costs since 2020. What is the RCI? The Residential Contents Index (RCI) is a specialised tool designed to track the - [Farm](https://suminsured.com.au/products-services/farm-contents-net/) - Farm Contents Net is a web-based tool that enables users to quickly and easily calculate the correct replacement cost of the contents of their farming business. - [CIRCA Build](https://suminsured.com.au/circa-build/) - CIRCA Build A new standard in building replacement modelling for the insurance industry, CIRCA Build is accurate, transparent, and built for ease. Overview CIRCA Build is a purpose-built building replacement cost calculation model that blends trusted construction cost data with rich property characteristics to generate flexible, address-level rebuild scenarios. Delivered via API, it’s designed for - [All about your Sum Insured](https://suminsured.com.au/sum-insured/) - Discover what home contents sum insured means, why it's important, and how to calculate it. Learn about risks of underinsurance, coverage inclusions, and tips to reduce premiums. - [Contact us](https://suminsured.com.au/contact/) - Get in touch with us today for professional guidance on home contents insurance for residential, landlord, commercial, and farm contents. - [Products Services](https://suminsured.com.au/products-services/) - [2024 New Zealand Residential Contents Index](https://suminsured.com.au/articles/2024-new-zealand-residential-contents-index/) - 2024 New Zealand Residential Contents Index Sum Insured has just released the 2024 New Zealand Residential Contents Index (RCI), revealing critical insights for the insurance industry. The headline figure a 29.9% increase in home contents replacement costs since the index began in 2013. What is the RCI? The Residential Contents Index is a specialised tool - [Frequently asked questions for home contents insurance](https://suminsured.com.au/home-contents-insurance-faq/) - Find answers to your questions about home contents insurance. Learn how to accurately determine coverage needs for your home contents insurance. - [The Insurance Trust Zone](https://suminsured.com.au/articles/the-insurance-trust-zone/) - The Insurance Trust Zone When Silence Speaks Volumes: The True Value of Mid-Policy Engagement Insurance professionals know the delicate balance of customer engagement. Send too many communications and you risk irritation. Send too few and you’re just another bill to pay.But there’s a deeper truth here: your insurer should work for you even when you’re - [Life is always changing. Are Sum’s Insured keeping up?](https://suminsured.com.au/articles/life-is-always-changing-are-sums-insured-keeping-up/) - Life is always changing. Are Sum’s Insured keeping up? From baby rattles to gaming consoles, household contents evolve faster than we realise. As insurance professionals, we risk failing our clients if we rely solely on annual adjustments to capture these changes. Consider the humble washing machine. That new front-loader isn’t just gentler on clothes—it’s significantly - [2024 Residential Contents Index Released](https://suminsured.com.au/articles/2024-residential-contents-index-released/) - 2024 Residential Contents Index Released Sum Insured has just released the 2024 Residential Contents Index (RCI), revealing critical insights for the insurance industry. The headline figure: a 15% increase in home contents replacement costs since 2020. What is the RCI? The Residential Contents Index is a specialised tool designed to track the changing costs of - [Portfolio Review](https://suminsured.com.au/products-services/portfolio-review/) - Portfolio Review offers deeper insights into your policyholders, helping enhance risk management and improve client communications. - [Our Partners: Strengthening Ties with Insurers Since 2005](https://suminsured.com.au/our-partners/) - Since launching our first contents replacement model in 2005, we have built strong relationships with major insurers across Australia and New Zealand - [Estimate the cost to replace your home contents](https://suminsured.com.au/contents-calculator/) - This calculator estimates the replacement cost of your home contents using information supplied by Sum Insured. - [About Us | Sum Insured the replacement cost experts](https://suminsured.com.au/about-us/) - Established in 2001, insurers and brokers use Sum Insured’s models to help streamline processes either through the stand alone web calculators or API. - [Renewals Insights](https://suminsured.com.au/renewals-insights/) - Renewal Insights help insurers and brokers identify underinsured policyholders and enables them to guide these clients to more appropriate coverage. - [Commercial](https://suminsured.com.au/products-services/commercial-contents-net/) - Commercial Contents Net enables users to quickly and easily calculate the correct replacement cost of the contents of their business or commercial premises. - [Residential](https://suminsured.com.au/products-services/circa/) - Commercial Contents Net enables users to quickly and easily calculate the correct replacement cost of the contents of their business or commercial premises. - [New Zealand](https://suminsured.com.au/new-zealand/) - The Home Contents Sum Insured Calculator estimates the replacement cost of your home contents using information supplied by Sum Insured. - [Australia](https://suminsured.com.au/australia/) - The Home Contents Sum Insured Calculator estimates the replacement cost of your home contents using information supplied by Sum Insured.