What insurance is required is ultimately determined by how you buy your home.
If you pay cash, you get to decide which coverage you think is worth paying for and which risks you feel you can absorb if something happens (e.g., liability to cover a visitor who has an accident on your property).
However, if you are financing your home, the mortgage company is going to tell you what they require you to carry in order to protect their investment in the home.
Which applies to you?
If the latter, you need to get multiple quotes. When doing so, ask for priced based on full replacement costs versus functional replacement. (My husband and I learned the hard way about
"fuctional" replacement when needing to replace roofing that had been cedar shakes, but we got paid on the basis of asphalt shingles because it was functional. We had to make up the difference to put the type of roofing we wanted so we didn't have multiple types on our roof.)