I have found that a lot goes into choosing home insurance. My agent wanted to know the square footage of my home, the appliances I already owned and if they were updated they needed that as well. I also had to make sure I chose the right type for me. The total replacement option, even if it cost a little more, felt appropriate. There was also an option to cover extra things like my laptop and other computer equipment. I made it a point to be as accurate in my descriptions as possible and did a walk through my home as an evaluator would. It made easy work of cataloguing my items.