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In the event of a claim, you receive the initial price you paid for the item after providing for depreciation or wear and tear. In fact, most standard plans don't include coverage for flood or earthquake. For instance a home in the tropics or a beach house will obviously appeal to a very different market to a home in the Blue Mountains in the winter months. Pay special attention to the Contents section, and to any exclusions or conditions. If the master policy does cover wall-in, my client would still need to buy a policy to cover her personal property. <br><br>Wind events, including tornadoes, are typically covered under a homeowners policy, but it won't hurt to double check to ensure your coverage is adequate in the event of a tornado. Read your insurance documents and take action when your renewals are due. Insurance firms can have lots of reasons for turning down a claim but the single most popular cause is failure to ensure they are well informed of current details or changes including an individual working from the home or a lodger moving in. Contents insurance covers any belongings kept in your home against damage and destruction rather than your property itself. write("[\"" \""][http://homeinsurancecomparisonuk.co.uk/home-contents-insurance.html home contents insurance only] look at homeinsurancecomparisonuk.co.uk/home-contents-insurance.html