Most people make the mistake of significantly underestimating.
Go through your house and think of how much it would cost you to buy every single thing in there brand new. That is what you need to get coverage for.
As much as I hate the racket, I’ll never cheap out on insurance. I couldn’t imagine having somthing happen and being left in a horrible hole to save $25 a month. Esp. since HO insurance is so damned cheap.