How Much Home Insurance Do You Need? 
This is really a loaded question . The right coverage amounts for each person rely on factors such as : 1 -RRB- the value of your home , 2 -RRB- the amount of contents/personal property coverage you need to properly insure your belongings , 3 -RRB- if your situation requires that you include additional coverage options for items such as scheduled jewelry or other expensive items , 4 -RRB- if you have a pool and/or a trampoline . Additionally , the type of policy you purchase can impact your coverage amounts as well . A broader replacement cost policy will probably include and might even require higher coverage limits than a more limited actual cash value policy . Because of the multiple factors that are in play for each specific homeowner , using a broad-brush approach is n't suggested when reviewing home insurance coverage options . We suggest that you review with a professional independent insurance broker that has the coverage options available to properly insure your home and belongings . 