Cynthia,
Having just had this conversation with my Allstate agent I can say that you should talk to them about your coverage. They have those figures and also a formula that projects the costs of replacement. We figured the price per SF and then he noted that the policy will pay 140% of the value of the policy which then gave me the amount of coverage I needed.

Hi Cynthia,
Definitely speak with your insurance agent regarding the range of coverage and costs; it's actually a good idea to audit your insurance once a year.

Agent would not know recommend contacting insurance agents in your area. http://www.lynn911.com