Personally, I think you should get house insurance. House insurance includes your overhead and under ground services, it also covers your liability against any damage to someone else's property. eg. if a fire started at your home because you accidentally left your stove top on and the fire extended to your neighbouring property/properties. well I guess you have enough money to rebuild your home but don't forget that you are also liable to pay for the cost of rebuilding your neighbour's home. Hope this helps
