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My insurance for contents insurance for a four bed home is £68.

A large organisation then who not only will have insurance to cover this event but also a support procedure to help those involved, good.

Are they council properties? Are private rented? Are they owned? In answer to all those questions then buildings insurance covers such events and they are therefore covered for accommodation as the insurance cover, covers such things. Contents insurance covers immediate things such as clothes...

Contents insurance is really not expensive so should be in most peoples budget.