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It makes sense to most people that your home and property are your biggest investments and that having insurance is not only just a practical idea, but that it is essential. There is a whole list of things that can happen to your home and it seems to go from bad to worse. A partial list would be: flood, storms, lightening strikes, falling trees and fire. You may have to file a minor claim, or you could end up needing to replace or rebuild everything, right down to the very land itself. This is the reason it is so vital to have Contents Insurance that you make sure that your buildings and contents insurance policy is not just a current value payoff, but that it will pay for the entire cost of replacing or rebuilding everything from the ground up. You will also want to make sure that there is provisions included for replacement or repair to all the other structures on your property such as storage buildings, tennis courts, garages, swimming pools, patios and fencing, plus any and all the contents they contain.