Owner Occupy Duplex, unsure how much to insure

[David Santore]

I closed on my duplex last year in MA, and I'm living in one unit and renting the other out.  My question falls on insurance for the Dwelling - should this cover the entire appraised value of the house?  Right now my Dwelling policy is 50% of my house appraised value, with an extended replacement cost on dwelling - this still doesn't cover my full house.

I'm worried I am underinsured here and if I should get the complete value of the house covered - help?