Look to buy a new home and you need to look up a range of different requirements with home insurance being one of the important ones with a policy that will cover both building and contents insurance. Can you imagine what it would be like to be happy in your new home and disaster strikes in one of the bizarre ways that could but would not be expected. This could be severe water damage, which may not be apparent at first until a few weeks down the line if you have a leak. Home insurance would then compensate if this causes damage although insurance premiums can go up when it comes round for renewal. Other things that could happy could be trees falling onto your house, being struck by lightning or just old age with crumbling walls although this would be present in survey.
Contents insurance covers any items in your possession and not the building structure itself. Even the least sentimental of us have possessions in life that money cannot replace but if something was to happen, then contents insurance would reimburse you for the financial cost of the items that were stolen, damaged or whatever situation has arisen within your home.