How Much Home Insurance Do I Need? 
The best answer that I could provide to this question is ; you should at minimum have your home insured for the amount that it would cost to rebuild it should you have a complete loss . Other things to consider with this coverage are additional endorsements to cover personal items that are not properly covered under the homeowner policy . Are you at risk for flooding , you might want to consider a flood insurance policy . Do you have a finished basement ? You may want sump and sewer coverage . The list goes on and on . I would also suggest a personal umbrella to every homeowner . All policies are not created equal . Please call your local agent to discuss your specific needs and wants so that he/she taylor a policy that best fits you . 