Unhappy Client

I had to claim for household contents which happened over 2 weeks ago as my cupboard on which stood my microwave and Iron fell out for some reason one evening and hit the floor very hard so much so the glass in the microwave cracked, my microwave cannot even close it hit the floor so hard not to mention the other household contents damaged as a result... I had to repeat myself many times to say I did not have BUILDING insurance as I am renting ** and HOUSEOLD contents should surely cover HOUSEHOLD CONTENTS??? I find this EXTREMELY unfair as I lodged everything on my side, together with all relevant photos and as a result of this claim I insist they cancel the home hold contents as I cannot be paying for something that is not going to do anything for me in my time of crises!