Your home is a big part of your life. Therefore it’s essential to make sure that you have the right home insurance policy to cover your home and its contents. That’s why we’ve mad our home insurance comprehensive, affordable and easy to understand.

Home Insurance is a general terms used to describe building and contents insurance. This can either be purchased separately or together through a combined policy. With KAPUT there is a discount if purchased combined. Home insurance protects your house and everything inside it including the fixtures, fittings and all of your belongings. It will cover theft and damage to your property caused by fire and bad weather, and will protect your possessions against theft, damage and loss.

Buildings Insurance

Buildings insurance is a policy that covers the whole structure or bricks and mortar of your home. This includes things like your walls, roof and most fitted items. It’s important you calculate the rebuild cost rather than the estimated value of your home. Be sure to give an accurate valuation as over-estimating could leave you paying higher premiums. While under-estimating could result in you receiving a lower payout if you were to claim.

Contents Insurance

Contents insurance is a policy that covers your personal belongings. An easy way to remind yourself of what this means is to simply remember the following quote ” If I moved house what would I take with me? ”. Contents Insurance could include items such as:

• Electrical Goods (Gaming Consoles, Laptops & TV’s)
• Furniture
• Jewellery
• Clothing
• Furnishings (Rugs and Curtains)

Similar to building insurance it is important you value your possessions accurately when applying for the coverage.