There is a difference between an insurance broker and insurance company. The broker does not provide the service just foes the searching to find the right policy and receives a commission from the insurance company for doing so. Insurance companies provided the insurance direct or has it underwritten in their name.
Preventing is always better than cure as they say. Yes you are insured but do you still want the hassle of going through a claim. Make sure your home is always secure, with the correct security equipment. If you have an alarm, make sure you use it everyday and do not leave windows open, when you are out of the house.
Use the Financebam review section to add comments or to find out more information on home contents insurance from others who have previously bought. This is nit just for negative comments but also for positive. So if you can contribute, please do.