Perhaps the most critical item to consider in insuring your house is the Replacement Cost.  Some insurers refer to this as Coverage A or Dwelling.  Replacement cost can be difficult to determine as it's different than the amount the home would sell for on the market.  Don’t set yourself up for a painful misunderstanding  in the event of a loss.  Always consider the amount of money it would take to rebuild your home, supplies and all, as you determine what coverage is right for you.