Interior insurance is extra. Its like renters insurance in that you insure your personal possessions within the walls. If I were married, I'd have gone ahead and bought the home I wanted but I don't have time to take care of the lawn and remove snow where I live so I opted for condo life. I just hate external chores and would rather take care of the inside which is what I can attend to as a homeowner.
"Show me just what Mohammed brought that was new, and there you will find things only evil and inhuman, such as his command to spread by the sword the faith he preached." - Manuel II Palelologus