It's important to have enough house and contents insurance to cover anything that might happen. I live in an area that has regular floods so unfortunately it can be common to get flood damage, and of course burglary and fire damage can happen in any area. My blog has a lot of details on making sure your home and contents are adequately covered for any damage or losses you can imagine (and of course, all those you can't even think of yet). I have advice on here from insurers, brokers and also from consumers like you and me on getting adequate house and contents insurance.