I've had a policy on my home but I want to make sure I'm not over or under insured. How do you know if it's enough?

Effectively, you have to have your agent review your account, and look at your house.

You have to review the policy to see what the terms are - the coinsurance required, the enhancement endorsement you have on it, etc, and then they have to calculate the cost to rebuild your house.

It's not a big deal, but NOT something you can do yourself.