The areas of your policy and your quote that you should be looking at are first the dwelling amount. How much is your home insured for? The second is going to be your contents and your personal property. How much stuff is inside your home and is it enough? The third area is going to be the loss of use. The fourth area is going to be liability. Liability is an important component. It’s there to protect you, and you want to make sure there is liability and enough on your policy. The last is going to be endorsements. How has the policy been modified? Is there water coverage? Is there sewer coverage? Is there replacement costs? Ask about the endorsements to the policy because they are very separate and different from limitations. Limitations put us back in the how much is my home insured for? 500,000, right? That is a limitation. The actual endorsement describes how your policy is going to work to pay out that 500,000.