Many mortgages have buildings insurance as an extra payment and many people are not aware they can look elsewhere for their house insurance. However choosing home contents insurance together can be cheaper then buying each separately.
Items such as bicycles can be covered on a contents insurance policy. If you own a bicycle check to see if the home contents insurance policy does include your bicycle home and away from home.
Where would you live if you were to lose your home? Some can move in family, but others do not have that safety net. Consider what your home contents insurance policy offers,is there enough cover you for? It is not just to replace things, but also to get you through that period until you are back on your feet.
