Always buildings and contents
Usually name one or two of the dearer watches as have them covered fir away from the home cover
Don’t normally bother with accidental damage as am careful
Each to their own
But regards contents
Imagine your house burnt down and you literally had to buy everything again from socks through to white goods, TVs, furniture, carpets etc etc
Insurance these days is so cheap imo it’s not a risk I’d ever take not to cover contents
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