When you are shopping for home owners insurance it can be difficult to figure out exactly who much you need.  To ensure that you have enough coverage you should be sure that your home owners insurance will cover…

1. The structure of your home.  You want to make sure that the insurance will cover the cost of rebuilding your home at the current rates that construction charge.  This will not include any price of land, just the base costs of rebuilding the home. There are many different factors that go into determining this cost, and you will want to talk to an insurance representative about what the cost of your structure would be.
2. Your personal possessions. More than likely, you will need to find a homeowners insurance policy that will cover at least 50 percent to 70 percent of the amount of possessions that you have in your home.
3. The cost of additional living expenses if your home is damaged and you have to live elsewhere during repairs. You want to make sure that you will be able to be taken care of if you are not able to live in your home. These costs will help you survive.
4. Your liability to others. This is the part of your coverage that will cover your against lawsuits for any bodily injury or property damage that you or family members may cause to other people.