Neither — you should have the amount of [home insurance that’s just right for your needs](https://www.policygenius.com/homeowners-insurance/how-much-homeowners-insurance-do-i-need/). Underinsuring your home means you’ll be left to cover the cost to rebuild your home and replace your belongings out of your own pocket to make up for your low claim settlement check. And overinsuring your home means you’re throwing away money since your coverage limits are too high to ever fully take advantage of them.