How Much Home Contents Insurance Do I Need? 
The short answer is , of course , as much as you need to protect yourself . However , in most homeowners ' policies , the amount of coverage stated in the policy to protect your personal belongings is the result of applying a factor to the dwelling amount . In other words , in most Homeowners ' policies , the amount listed for personal property will be 70 % of the stated dwelling amount . Talk with your Insurance Professional to make sure that full `` Replacement Value '' is included in your policy . 