Just been through it all. Make sure you have home insurance price and a separate listed price for contents. Home ins does not include carpets, curtains or light fittings, these are contents. It does include floating floors, dishwasher in cavity and anything that is fixed. I upped my house ins thinking this would include these things, but until it is listed as contents, it does not. I have made them specify curtains, carpets and light fittings, as I dont want to cover tenants loose furniture. If you had a lease with the tenants, but afterthe first year it went month to month, you had better get them to sign a statement saying they are renting month to month, or you are not covered