When you talk to your insurance agent they are going to want to know what type of home you have. Depending on the type of home you have, depends on your home policy.
Here are a few:
Renter - contents
Home Owners - building and contents
Landlord - building and possible contents
Dwelling Fire- building and possible contents
Mobile Home - building and contents
Condo - walls in and contents
Each policy type will have its own in depth article.