The limit shown is the average limit in the market. Your company may provide less or more. Increase coverage for most by endorsement to the policy. Fine arts, antiques, Persian rugs, Hummels and other collections should be appraised and listed separately in a personal articles floater or endorsement. Ask for replacement cost contents coverage.
Liability coverages are usually identical from form to form.
Some companies will have special endorsements to improve coverage. Covered claims include slips and falls, baseball beans the neighbors' child, you hit the foursome in front with your errant hook shot. Homeowners insurance does not provide you with any car insurance for any car you drive. Anyone can sue for any limit. Courts are backed up.