The amount of homeowners coverage you need depends on your personal situation. Your dwelling coverage limit should be enough to cover the full cost of rebuilding your home should disaster strike. Rebuilding costs can differ depending on location, so check with a local real estate agent or insurance rep if you need help coming up with that number. You’ll also want to factor in the value of your personal belongings and set a reasonable limit for your loss of use coverage should you be unable to live in your home for a period of time. Your home insurance company will be able to help answer questions and determine how much coverage that you will need.