How Much Homeowners Insurance Do I Need? 
The dwelling limit for your home should be equal to the amount that it will cost to rebuild your home . This is going to vary based on type of construction materials , current costs of materials , and labor costs . Most reputable agents will use a third party estimator which considers all of these factors to come up with a replacement cost number . You should never pick a replacement cost number out of thin air . Additionally , do not be surprised if the replacement estimate that you are given differs from the market value or the appraised value . You are n't insuring the dirt ! 