You may think you're "safe as houses" but you'd be surprised how many things can damage the building you live in. Fires, earthquakes, subsidence, runaway trucks, cricket balls through windows or the occasional meteor. Best to be covered!
You may not realise just how much the stuff you have would cost to replace. If the burglars move in while you're on holiday, could you afford to replace the TV, the stereo, the chairs, the cupboards, the crockery etc?
Not only that, our contents cover means that if you have your bike stolen, drop the vase your mother in law gave you as a wedding present, lose your camera, leave your glasses on the train or have your mobile phone stolen, you'll be fully compensated.