I'm struggling to find an insurer who will insure everything in my flat i.e. kitchen and bathroom fittings, fixtures, flooring + basic contents (white goods, carpets, curtains etc.). Since it's a leasehold flat, there is already buildings insurance cover on the building as a whole, but this doesn't cover replacing my fitted kitchen and bathroom. Several companies have told me they cannot insure this as I need buildings insurance to cover this, but since this is already covered under a separate policy, they can't give me another buildings insurance policy.
I found one company today through searching on this site (Rentguard) who would do the above, but they don't cover malicious damage. In my mind, insurance is supposed to protect against all possible circumstances, and it's certainly possible that a tenant or one of their guests could cause significant damage within the flat which wouldn't be covered by their deposit. So I don't see the point in paying a premium and not being covered for as much as is reasonably possible.
From the number I've tried, clearly I'm a square peg that doesn't fit into the round hole most landlords insurers provide - though I really can't see why what I want is so unusual. Can anyone name some specialist insurers who can actually tailor a square shaped hole for me?