How Much Home Insurance Do You Need? 
That is an excellent question ! The first thing that I would tell you is to find a good agent to help you with this . You will want to have a good idea of the value of your belongings , and decide whether it is better for you to pay more , and get replacement value -LRB- paid for new -RRB- or pay less , and get actual value -LRB- paid , but minus age and depreciation values -RRB- . You will also want to have an idea of whether you have a collection , or items that might need to be specially insured . Again , a good agent can help you with those decisions . Good luck , and thanks for asking ! 