Our current policy states Personal Property coverage $94,000!! Is that how much cash I would get to replace our furniture, TV, clothing, etc. in the event it was all lost due to fire, theft, whatever? Because there is no way I could spend $94,000 to refurnish our house. We do not have expensive taste. I might spend $10K replacing all that stuff! Do you think this is a reasonable coverage level? Or should I request that it be reduced?