are three basic types of insurance a home owner will need:
This insures your property against fire, flood, storm damage etc
to the actual building.
This protects you against the loss or theft of your possessions
within your property.
ensures that if you are no longer able to pay your mortgage through
illness or death that the mortgage is paid off on your behalf, therefore
protecting the rest of your family.
Again, it is very important you shop around for your insurance requirements.
Premiums and policies vary considerably from company to company.