Opinions on level of coverage

[Nicole S.]

I am pricing out insurance companies right now and I’m swimming in coverage line items. Besides loss and liability, what other coverage do you recommend (property is in Ohio)?

Also the level of coverage... the first quotes were *really* high, so I started to question how much coverage I needed. For example, some quote full replacement cost, while others cover ARV.

Finally, what are the gothca’s I need to ask about?

Thanks BP! As always, I appreciate you!

Nicole