Don't worry - it's not really.
You definitely need mortgage protection life assurance for each person on the mortgage/deeds. Usually the cheapest decreasing term policy will do. Only buy a level/convertible term policy if you really need it. Other general life assurance requirements can be taken care of separately. Shop around for the best deal. Don't buy from your lender just for the sake of it as they will usually be more expensive than alternative sources. There are lots of threads/posts on this already on AAM.
Home insurance is mandatory and must be for at least the rebuilding costs specified by the lender's valuation report. Shop around, insure for the rebuilding cost and not the market value, review it each year and check the detailed terms & conditions to ensure that policy is right for your needs. Check the Insurance forum for more on this and other types of insurance.
Mortgage repayment protection is not mandatory and is arguably bad value for money in many cases. I personally would avoid it but it's up to you. Again if you do go for it shop around, don't necessarily buy from your lender and check the detailed terms & conditions of the poicy to clarify when and for how long it pays out.
If in doubt get independent, professional advice - not from a tied agent/sales person though.
That's it!