You can insure your individual items separately if they are worth more than a certain amount,which is decided by the individual insurance company. It is worth considering if you have an
expensive engagement ring or
but if you do not have items that are not worth a large amount of money, you do not need it.
Hopefully, this has helped you to understand the main components of a home insurance quotation. Deciding what you need and don't need can be tricky, so seek professional advice if you need to.