Owner's title insurance coverages

[Rick Turman]

BP family,

I've combed through the hills of the forums and have not found a straight answer on this.  Therefore I am turning to you all for help from those with more experience.

I have recently obtained a quote and coverage option for owner's title insurance on a long term buy and hold from my title agency.  I would like to know what others are choosing for total coverage needed?   Do you cover a total of what you bought the property for, all equity in, or do you cover total property value (market) given any lien comes forward over the years that lay ahead? 

Curious to see what others have done.

Thanks in advance!