It depends on the amount you need to pay:
Rebuild Your Home (Dwelling and Other Structures)
Determine the coverage amount depending on the local construction costs, square footage of the structure, home design, and special features.
Enough to Cover Replacing Your Stuff (Personal Property)
Conduct an inventory of personal possessions and take stock of expensive items to determine whether or not the basic coverage (50-70% of your dwelling coverage) is enough.
Cover Injuries and Damages Occur in Your Property (Liability)
The minimum liability coverage limit is $100,000, but homeowners are recommended to purchase $300,000 to $500,000 worth of liability coverage.
Reimburse Your Additional Living Expenses (Loss of Use)
Though you must have 20% of your dwelling coverage limit, you can calculate the amount based on how much you spend on food, rent, and transportation.