Your biggest single purchase and your greatest financial commitment is likely to be your home, so it makes sense to protect your bricks and mortar and what is inside against the worst.
While household insurance should be a "must have", you can maximise your protection and minimise your costs by taking some simple precautionary measures.
Household insurance is a competitive market, with the cost of both buildings and contents insurance varying between insurers. You can buy policies from your mortgage provider, bank, and an insurance broker. Even some supermarkets are getting in on the act.