Insurance tips, coverage amounts

[Jim Truman]

Good morning,

My wife and I recently closed on our first out of state property, a townhouse in Bedford. I'm looking for recommendations on insurance. Also some advice on reasonable coverage amounts.

For now I just went with my current provider and used the numbers they suggested but the premium is bit higher than I, and my Realtor, expected. 

The townhouse is 1300 square feet, unfinished basement,2 bedroom, 1.5 bath, 1 car garage. The owner is responsible for maintaining the garage/garage door, and inside of the house. Purchase price was 86,500. 

What number would you use as the building replacement cost? I have no idea what it would cost to rebuild the interior in case of total loss. 

What's a reasonable liability amount?

Anything specific I should be looking for in a plan? I have lost rent coverage. 

Thanks