The purpose of property and household insurance is to avoid unpleasant negotiations with your landlord or neighbours. If you rent an apartment/house you would need only household insurance. If you buy your new place, we would recommend you ask for real estate insurance.
Life is full of awkward situations. Liability insurance covers your liability for damage you can cause to the third party in your day-to-day life. It is very useful to get this kind of insurance to pay damage you cause or which can be caused by family member living with you in the same household. These could include flooding your neighbours while bathing your kids or using the washing machine, breaking a vase while shopping etc. One general liability insurance can cover all these kinds damage and it is usually required when you rent an apartment.
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