One of the main reasons people take out home insurance for is to cover you in the event of a fire, for its use, contents and also personal possessions specifically identified when taking out home insurance.

Also for example there are many areas which you can add to your policy are areas such as for example accidental damage, if you were to unfortunately spill a glass of red wine on your carpet and the stain did not come out you then may be able to claim under accidental insurance. You may however typically find that damage to your property due to flooding may not be covered. You should also consider taking some form of Income Protection Insurance