It’s generally sensible to have cover for your belongings as well, but you don’t have to. Just bear in mind that buildings insurance won’t cover any damage or loss to TVs, laptops, smartphones, sound systems or games consoles. Your furniture, clothes, carpets, portable garden equipment and other essentials wouldn’t be covered either.
If you rent out your property and have landlord home insurance, you may not need any contents insurance for your own belongings if the property is unfurnished.