 Will the insurance company guide me through the process on how much insurance I need, or do I have some input there? Yeah, typically they're going to help you with this. They're going to be looking at things like the home's square footage, the construction quality, you know, all of those things, your proximity to a fire station, a lot of things go into it. But you do want to make sure that you agree with what you are paying for with your insurance.