Householders Claims are very real and usually it is more than just a Fire of your most valuable assets, it is usually a time you realise how inadequate your cover may be particularly when it comes to under-insurance, certain policy exclusions and low sub-limits on policies.
Get good advice! Unfortunately direct insurers are limited on the advice they can give and can only really comment on the positives of their product, Insurance Brokers do give personal advice and will cost more because they seek out broader cover to meet the needs of their clients and provide a claims service.
Think about what happens if you were to have a disaster happen to your home. These examples can make you think about these very real risks.