If your home is burgled you could lose your contents and have your house damaged. When considering insurance you need to think about the replacement cost of your contents.
Most people pay for and accumulate their belongings over a long period of time.
As a result many people are not aware of the replacement value. It is likely to cost you considerably more to replace your contents than it did to purchase them originally. Also, if all your contents are lost or stolen, you will be faced with replacing many of them all at once. However, it is your responsibility to insure any contents you own, such as your clothes, washing machine or furniture. Your landlord's insurance would not cover your contents in the event of a fire, etc.