If you have moved out of your parents' home and taken your belongings with you then you will no longer be covered by their Contents Insurance, so you will need to take out your own policy. Unlike a family home, if you are flatting, your Contents Insurance only covers your belongings and not your flatmates' belongings as well.
I've just moved into my first flat. Am I still covered under my parents’ contents policy?
If you have moved out of your parents' home and taken your belongings with you then you will no longer be covered by their Contents Insurance, so you will need to take out your own policy. Unlike a family home, if you are flatting, your Contents Insurance only covers your belongings and not your flatmates' belongings as well.