This cover is compulsory if you have or are taking out a mortgage, whether you are moving in or letting the property. This covers any rebuild costs in such events as fire, storm or flood damage.
This covers you for all contents in your property. Essentially if your home was tipped upside down, everything that falls out. Many people grossly underestimate the value of their content and therefore it is helpful to have assistance from someone with the necessary experience. In the event of a claim, you will get the items replaced or the money to replace them.