ASK377: Should I buy a home or an investment first? PLUS: Do I need more insurance?

Rob & Rob are back for another round of listener questions: 

• (0:39) Himesh owns a couple of flats, which he currently pays service charges on. As the charge covers building insurance, he’s never taken out any insurance of his own, but now he’s wondering if he should? 
• (2:42) Michelle and her husband have a deposit saved and are considering buying a property, but should they buy their residential home or an investment property? 

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