under one policy, each resident paying his share of the premium as part of his maintenance charge. there is no need to duplicate this insurance when you take out your mortgage, and you should inform your building society that you are already covered. check this point from your lease even if you have been living in your present home for some time.
if your building society arranged only fire insurance for your property, ask them to extend the policy to cover all the items listed above. as you need this extra insurance, you might just as well include everything in one policy.
contents policy what is covered?
a typical contents policy covers the 