How Much Home Insurance Do You Need? 
Insurance companies normally accept the services of several rating companies that compute the cost of replacing your home . This is the value the company will use to set the value used for residence coverage . The standard homeowners policy uses a formula to determine coverage for personal property and it is normally adequate . If you have unique property you need to discuss that with your agent . Often overlooked , the liability coverage you select and price should be as high as you can afford . A lawsuit can ruin your financial world . 