No one will probably disagree with me when I say that a house can be considered one of the most important things a person can invest on. That being said, it would also be safe to say that one should do everything to protect it from different kinds of catastrophes. One great way to do this is by acquiring home insurance.
Generally, home insurance comes in two types; one specifically covers the building of your home, and the other secures the content or luggage inside it. For a total peace of mind, I suggest you get both policies and probably add other insurance cover for flood, earthquake, etc.
Just like purchasing other insurance types, it is of course vital to know what kind of coverage you need. That way, you can easily trim down your research and focus on comparing the rates offered by various companies. Remember, not all expensive plans offers good benefits. You might be surprised that some cheap policies work better than costly insurance plans.