As a parent of young adults, I am aware of the pitfalls of sending them off to university, to the halls of residence or their first flat, without insurance.
If your son or daughter manages to leave the stove on and burns down their flat, the landlord’s insurer will happily replace the building for the owner and then chase the tenant for the cost.
All contents cover carries a public liability cover to protect this risk. If your kids have charged off to university, or moved into a flat, or, if you are a tenant, double check that you have cover in place. Accidents do happen! Be prepared.