Most home insurance companies in the UK sell building cover, or insurance, separately from contents cover, which insures the contents of your home in the event of a covered loss.  However, there are some companies that “bundle” this together, and this may save you money.
 
Look carefully at the coverage in both policies, as well as the exclusions.  The primary consideration is always coverage—after all, if you weren’t worried about losing things, you wouldn’t ever buy insurance.
 
If a bundled package covers what you need and want, then consider price.  Service is also something to think about: some people prefer to have a human agent, while others don’t mind using the Internet for the vast majority of their dealings, if it will save them some money.
 
Often, standard contents cover will insure against everything you need, and by bundling this coverage with your building cover, you can save money.  However, if you own valuable jewellery, musical instruments, art works, or other non-standard items, a separate policy for these items, called a rider, may be required.
 
In this instance, purchasing building insurance and contents insurance separately may actually save you money, as well as allow you to tailor the contents insurance to suit your specific situation. 
 
Once you decide on a policy or policies, don’t forget about it!  Set a reminder to review your policy once a year, or at an absolute minimum once every two years.  Property values rise and fall, and you will own different things a year from now.  Keeping your policy up-to-date is essential if you want to remain fully protected from loss.