Do you have your home insured yet? Or your car and properties? We never know what could happen. I know somebody that had their house burnt, all their appliances and everything turned into dust in just a few hours. Everything that was in the house that they labored for for so many years turned into ashes because of the fire. For residential landlord insurance in UK, it is safe to have our home secured with insurance in case anything happened we would not be left out with nothing. Just think about all the disasters that could happen, it's not that we expect it but being ready is always a good thing. I am sure to mention this to my friends who are living all over UK.