What do we need?
The usual home insurance policy has 2 parts. One is the Home Insurance property protection, which normally covers your house, the attached structure, the furniture in the house such as the built in cabinet, heating, etc. Aside from that it also covers your personal property which includes your appliances, jewelry and money, although sometimes the coverage is limited. They can also provide other things such as the removal of debris along with damaged trees and shrubs, fire-department service charges, property removal or theft if its caused by a covered danger.
The second one is the liability protection which insures personal liability and medical payments.