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contents and buildings cover after paying off mortgage

my mortgage finishes this year and i have paid monthly for my cover alongside my mortgage, but i am going to look elsewhere when the mortgage is paid up, i rang nationwide for a quote,because i have cover with them at the moment, well it would be dearer than what i am paying at the moment.

plus he asked a lot of questions, obviously, as to what cover i would like, and there were some things that i could have included if i liked, legal cover, accidental damage, if you lost something abroad, etc etc, to be honest my mind was frazzed at the end and then after i said yes/no maybe the cost was going to be over £400 a year,

what honestly is the type of cover that is the best to go for? i know you will say it is up to the individual but do you really need all the little 'add-ons'.

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