Limits
Buying insurance would be much simpler if insurance policies didn't have limits, but they do - and only you can determine how much to buy. These are decisions that require your most careful consideration, and they should be revisited at least annually.
U. S. automobile policies, for example, express a liability dollar amount that is the most the insurer will pay on account of the policyholder damaging someone's property or injuring a person. Homeowner policy liability limits state a dollar amount that is the most the insurer will pay to your neighbor if they are bitten by your dog, for example, as well as a limit which is the most the insurer will pay to repair or replace the dwelling structure or its contents. Even so-called "umbrella" personal liability insurance policies have limits.
So - who determines these limits and how should they be established?
Although insurers as well as brokers and agents may be able to offer some limited assistance (for example, many have a minimum liability limit they will sell), they are not able to make these decisions for you. That is not their expertise. Their minimum may be far below what you should purchase, and simply buying the minimum may be a huge mistake. Some insurers calculate a minimum dwelling limit for which they will insure any dwelling structure based upon information you furnish to them. However, even if you carefully give them precise and detailed data, they only are calculating the minimum they will sell, not what you should buy or what might actually be required to replace your home.