How Much Home Contents Insurance Do I Need? 
Great Question ! The contents coverage should be enough to roughly pay for the estimated cost of the bulk of your belongings . Take roughly what it would cost to replace your things -LRB- and I highly recommend that you ask for `` replacement value '' in your policy versus `` actual cost '' as it can make a huge difference for you -RRB- and look for that amount of coverage . Some companies will have guidelines and limits , and some things - artwork , jewelry , collectibles , etc. may need riders or separate policies . Your agent should be able to walk you through this . If you need help , please feel free to contact me . Thanks for asking ! 