Ask HN: How do you decide your home insurance coverage?

[acelik]

I'm thinking about an idea that'll help you learn about the risks that your home holds. E.g. do you know if your home requires a better coverage for a specific risk? Flood, earthquake, storms and so on?

To my experience, I am usually exposed to what my insurance agent says and they are usually trying to sell the thing as fast as posssible without giving me any insights on the coverages that I require most.

Do you have the same problem? Is there an existing solution that I don't know?