What Should Homeowners Insurance Cost? 
The basic question should be , what would it take to make you whole . You would want your residence restored , your property replaced and you would like to know that in the event of a lawsuit you would be defended and any judgment would be paid . That basically means that you should deal with a trusted agent and set the liability limit as high as the company will write and set the property limit at the full replacement cost . You should inventory any of the items that have restricted coverage and purchase additional coverage for your jewelry , guns , collections and other high value items . 