According to a poll by, research has revealed that 49% of young adults don’t have contents insurance to protect the items in their home as they feel it is a “waste of time” or they hadn’t “got around to getting it”. But what would you do if you lost everything in your home? Buying everything again would cost a fortune! So contents insurance is vital if you’re going to cover yourself for unexpected events like a burglary or a fire. But when getting yourself one, you need to make sure you have got just the right amount of cover – too much cover and you are paying more than you need, too little and your insurance company might not pay out if you need to claim.