How Much Home Contents Insurance Do I Need? 
You should have enough home insurance to meet the requirement of your lender . After that you should meet with your trusted insurance agent and select those limits that will make you comfortable in the worst case scenario . It isnt the annual premium that is crucial ; it is the limits of the policy when you have to file a claim . You can save premium dollars by scrimping on coverage but if that perfect storm strikes those savings wont ease your pain . 