Up in Nth Qld,this is absolutely essential as we have so many summer storms and floods!!! When I have had to make a claim,it was all so easy because I had taken a huge number of photos which made the inspector's job a great deal easier! I cannot say a bad thing about my insurer,whereas several friends were still waiting for their claims to be finalised almost a year later! I always am very sure to read all the fine print on policies which has been a big help.
I'm insured very well, and I don't mind saying you never want to have a fire and not have insurance.
That peace of mind means a great deal to me.
I have home,,,,contents....flood....the lot!
You just have to make sure you up the ''house'' each year for what you would need to replace it.