How Much Insurance Should I Have On My Home? 
There are two answers because there are two major sections to the policy . You need to have the highest liability limit offered by the company . A lawsuit can bankrupt you ! The company will direct the amount of coverage that you need for a normal homeowners policy . Because they often guarantee replacement of the building they will require that you insure to value . There are calculators available to determine that amount . An agent can compute that for you . 