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Do rebuild costs vary by UK Region?

  • Writer: Amy Lillington
    Amy Lillington
  • Oct 8, 2024
  • 3 min read

Updated: 3 days ago

Wondering if your property's location affects your rebuild cost? It does—and quite significantly


Why Location Impacts Rebuild Costs


Different regions of the UK have varying labour rates, material costs, and logistical challenges. At RebuildCostASSESSMENT.com, we account for these differences using a trusted industry tool: BCIS Location Index.


This index allows us to adjust construction costs to reflect the area in which your property is located. Here’s how it works:


  • The UK average index is set at 100.

  • If you’re in Kensington and Chelsea, with an index of 131, your rebuild cost would be 31% higher than average.

  • In contrast, a home in Pembrokeshire (index of 91) would cost 9% less to rebuild.


We include this location-based adjustment on page four of every report. You can also view a sample report on our website to see how this works in practice.


Accuracy Matters


Location is just one of the factors that can significantly affect your rebuild cost. A generic estimate might overlook regional variations, leading to underinsurance or overpaying on premiums. That’s why a tailored desktop assessment is essential for accurate insurance coverage.


Watch Amy Break It Down


Need a quick explanation? Watch Amy’s 2-Minute Tuesday, where she explains how location impacts rebuild costs and why this matters for your insurance policy.



Got questions? Ask Amy!


Do you have more questions about rebuild costs or property insurance? Or maybe something fun and light-hearted? Email AskAmy@RebuildCostASSESSMENT.com, and Amy might feature your question in the next 2-Minute Tuesday!


Don’t risk underinsurance – get assessed today


With accurate rebuild cost assessments from RebuildCostASSESSMENT.com, you can be confident your home is properly protected.


Need help? Contact Us for a quick and easy desktop assessment today.


Transcript of the video


Opening Scene

Amy: October’s here—and with it comes crisp air, cosy vibes, and all things spooky. Let’s dive into your burning questions.


Music Playing

Jingle: You’ve got a question about a property to be assessed?

It’s time to go and find the person who’s the best.

She’ll answer all your queries by the time we’re done,

And even answer a completely random one.

So get your answers from the expert lady.

It’s time to go… Ask Amy!


Amy Speaking

Hi everyone, my name’s Amy and welcome to my 2-Minute Tuesday, where I answer your questions about anything to do with rebuild costs in no more than two minutes. So let’s start that clock!


Question from Viewer

This week, we have a question from Muhammed in Ipswich, who asks:

“When you’re assessing a property, do you take into account the higher prices in certain areas of the UK?”


Amy's Answer

The simple answer is—yes, we do.

For the vast majority of our assessments, we use what’s called the Building Cost Information Service, or BCIS for short.

This service includes a tool called the Location Index.

What this does is adjust the construction cost to reflect geographical areas within the UK.

It takes into account variations in labour, materials, and other construction-related costs that can differ quite a bit from one region to another.

The average UK index is 100.

So if your property is in Kensington and Chelsea, which has a location index of 131, it will cost 31% more than average to build in that area.

On the flip side, if you live in Pembrokeshire, with a location index of 91, it’ll cost 9% less to build there.

This location index can be found on page four of our reports.

Take a look at our sample reports online—they’re designed to give you a clear idea of what to expect from our desktop assessments.


Fun Question from Viewer

Next up is a question from Steve in Oxford:

“Pineapple on pizza—yay or nay?”


Amy's Fun Answer

I have to say—I don’t mind pineapple on pizza… but I don’t tend to choose it from the menu.

I’m more of a pepperoni kind of girl.

What’s interesting, though, is that ham and pineapple pizza, known as the Hawaiian, was actually created in Canada in 1962 by a Greek-Canadian named Sam Panopoulos—nothing to do with Hawaii!

Thanks for your question, Steve. Do you like pineapple on pizza? Let me know down in the comments.


Jingle and Closing Screen

Please send your questions—including fun ones—to AskAmy@RebuildCostASSESSMENT.com, and I’ll be back for another Amy’s 2-Minute Tuesday.

Thank you for watching, and don’t forget to Like and Subscribe.


It’s time to go… Ask Amy!


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