This is a difficult question to answer, as the amount of coverage must take into account the size of the plot, any fixtures/features, and what is being grown on the land. People often underestimate the value of their fence and lawn, so it’s a good idea to get an estimate of the replacement cost to make sure the limit of coverage is sufficient. A home repair or gardening centre should be able to help with this, or you can ask a landscaper or arborist.