July,
cgu have reasonable ppor policies. What you need to decide is if you want a defined events policy or an accidental damage one.
While having the whole house destroyed by fire is issue at the moment, most homes only ever suffer minor damage. Every policy will give you fair cover for total destruction but for water damage, trees falling down, storm damage you should be looking at the cover each one offers. When a claim happens there is no point in asking for a payout when they weren't going to cover that in the first place.
Work out what you want first and then ring around insurers and even a few brokers.