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Given your current insurance coverage, in the event of a fire, your house and household belongings are over-insured by ReadSpeaker If you were to reduce the coverage on your home to its replacement value of $190,000, then your personal property coverage could also be reduced to . This is because the minimum personal coverage available on a HOy policy is of the home coverage in what area is the cover Given your current insurance coverage, in the event of a fire, your house and household belongings are over-insured by ReadSpeaker If you were to reduce the coverage on your home to its replacement value of $190,000, then your personal property coverage could also be reduced to . This is because the minimum personal coverage available on a HOy policy is of the home coverage in what area is the cover