It depends on theterms of your specific house contents insurance. Read all the small print to find out the exact details of your cover. Probably more important to find out when you aren't covered.
If the cover provided by your contents insurance fits your needs, then there is no point in paying for a specialist policy to cover you for exactly the same things again.
If the cover on your contents policy isn't quite what you are after then give your insurers a ring and discuss it with them, they may well be able to tweak the cover to suit your needs (probably for a small additional premium) rather than risk losing you as a customer.
Duncan.
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