How Much Home Insurance Should I Have? 
Your home should be covered by a Homeowners Insurance Policy with the Dwelling Coverage equal or greater to the cost of complete reconstruction of the home . In the event of a covered total loss , you will expect your insurance company to pay for the rebuilding of your home . In addition to the home itself , you will need to make sure that your Other Structures -LRB- Detached Structures -RRB- , Personal Property -LRB- Contents -RRB- and Personal Liability Limits are sufficient to cover your interest in the event of a covered risk . It is always best to speak to a licensed professional who will ask the appropriate questions to assess your risk and therefore suggest the best options to your specific case . Once you have assessed sufficient coverage for your home , you may adjust the premium by selecting either a higher or lower deductible . A higher deductible would generate a lower premium and a lower deductible would generate a higher premium . There is a link providing an online format to obtain a quote and buy home insurance online in multiple States ; it may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK 