Home insurance is the ultimate way of protecting your private property against any perils that may happen, but it's not all that simple, as insurance policies have different provisions that you are supposed to read very carefully before signing anything. Most home insurance policies will protect the structures of your house (the standard policy), and if you need more coverage - this should be discussed with your agent. Besides the structures of the house your home insurance is also supposed to cover personal property inside the building, as well as living expenses when your house needs to be repaired - there are actually many aspects that you can get covered, but the more you mention in the policy, the more expensive it becomes. People trying to save money are therefore likely to stick to the basic home insurance policy required by the landlord. All the objects inside your house are supposed to be insured - as in case of some damage done to them you surely expect them reimbursed, but there is a trick. In many policies if you read them carefully you will find provision for actual cash value of the objects damaged or destroyed. This means that you will be paid the amount your valuable is worth minus the depreciation (which in case your valuable is not brand new can be significant), as a result you will get an amount that will not be sufficient to buy another thing in exchange. You should be actually looking for the option of replacement coverage - that's when you will be paid the money necessary to buy something in exchange of the item damaged or destroyed. In the second case you will be paying more money in monthly premiums - but you can be sure that all the valuables you had will be replaced and you won't have to figure out how to buy a washing machine having been paid about a half of its current price.