How Much Is Enough Homeowners Insurance? 
If you talk to your Insurance Professional you may hear the term `` Insure to Value '' -LRB- ITV -RRB- used . Simply stated , you should insure your home to the calculated full Reconstruction Value . Not only does this make good sense but it also allows the Reconstruction Guarantee to apply should you need it . The bank will need to see coverage at this level too as a condition of your loan . 