Just a suggestion to avoid the sort of problems encountered in this topic.
If possible, as an owner occupier take out contents insurance with the same company with which the OC has the building (common property) insured & check with the insurance company that there is nothing excluded from both policies. Be careful about bathrooms, kitchens & the like which are not original (& hence not included in common property).
For investors there should be some good ‘Landlord Packs’ available which will cover fixtures, fittings, as well as bathrooms, kitchens etc. which are not original – & therefore not covered by the OC insurance. Landlord Packs also cover loss of rent while the unit cannot be occupied & some cover tenant damage & non-payment of rent (when I last checked, which was admittedly some years ago).