Homeowners insurance question - is there a good rule of thumb about how much personal property insurance one should buy?

Homeowners insurance question - is there a good rule of thumb about how much personal property insurance one should buy?
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Just got my policy also and it had jumped up 200 from last year with no claims on the policy ever. I shopped around and found that AARP had a much lower price. I went with 50% and AARP.
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