How Much Homeowners Insurance Should You Carry? 
Homeowners Insurance consists of Dwelling Coverage -LRB- Home -RRB- , Other Structures , Personal Property -LRB- Contents -RRB- , Loss of Use and Personal Liability Coverage . To answer the question , the Dwelling Coverage should be sufficient to rebuild the home from the ground up following a covered total loss ; this would be a total reconstruction estimate to rebuild the home . Most insurance carriers have a method of calculating the replacement cost of a dwelling based on the characteristics input when you request the initial quotation ; in most cases , this is a safe number to properly insure the home . Regarding Personal Liability Insurance , it is a good idea to purchase the maximum limit available since this coverage is very inexpensive and is not subject to any deductible . Most carriers offer a maximum limit of $ 500,000 for Personal Liability . If in the process of purchasing the necessary coverage , the consumer is attempting to generate a lower premium charge , it would be a good idea to accept a high deductible which will prove to offer a much lower premium with relatively low risk to the insured . There is a system available to obtain a quote and buy home insurance online in multiple States . An exemplary online experience for all with the ability to select different options and adjust your home insurance quote as necessary . WEBSITELINK 