How Much Home Insurance Do I Need? 
That is a good question . You should maintain as much insurance as it would cost to rebuild your home-including re-engineering the house & carting away debris . We typically calculate that using a per square foot amount . For example , in New York typical rebuild costs around ~ $ 150 per sq.ft of living area although that can vary widely depending upon the year built , quality of construction as well as number of bedroom , bathrooms , kitchens , style of home , garages , etc. . I would highly recommend you speak with an insurance professional to discuss your particular situation . Most insurance companies will require the agent fill out a home cost estimator . This is submitted with many applications for insurance and validates the amount the insurance broker feels it would cost to rebuild . 