How Much Home Insurance Do I Need? 
How much home insurance do you want ? Do you want a policy for a home loan closing that meets the lender 's miniumum requirements ? Do you want to insure a home for what its market value is ? Do you want to insure your home for what it will cost to rebuild it and the necessary costs for debris removal , architectural fees , permits , building code upgrades ? The bottom line is that a homeowners policy produced for a mortgage closing is a minor detail but a homeowners policy when your home is damaged is EVERYTHING . A conversation with an insurance professional will cover these topics relative to your wants to determine just how much coverage you need . 