Ask HN: How do you decide your home insurance coverage?

I'm thinking about an idea that'll help you learn about the risks that your home holds. E.g. do you know if your home requires a better coverage for a specific risk? Flood, earthquake, storms and so on?

To my experience, I am usually exposed to what my insurance agent says and they are usually trying to sell the thing as fast as posssible without giving me any insights on the coverages that I require most.

Do you have the same problem? Is there an existing solution that I don't know?