The level of home insurance you should need depends entirely on what you want to cover, how much your house is worth and whether or not you have kids. Firstly, the more protection you want, the higher the level of home insurance you will want to invest in.A plan that covers both buildings and contents insurance is important as this will offer you the largest amount of house insurance. Home insurance claims will also depend entirely on the building and contents cover you have so that’s another thing to consider.More expensive properties will require a higher level of protection, as the claims will tend to be more expensive – especially when it comes to the rebuild cost in case of an extreme accident.