How Much Home Insurance Do You Need? 
Most companies will be looking to `` Insure to Value '' meaning that your Insurance Professional will inspect your home and complete an accurate reconstruction analysis to determine the proper amount of coverage to recommend . Insuring to the calculated reconstruction value means that you wo n't be over insured or pay too much for coverage you do n't need . It is also necessary in order to be sure that the Guaranteed Replacement clause will apply . 