Do you have an independent agent? If not, get one. They can answer all the questions about adequate insurance to value and shop around to get you the best price, which in my experience is cheaper than online sources. (I checked this spring; ran my needs against 4 different direct markets and all were at least $100/year more than I'm paying now.)
Be sure you have replacement cost coverage on the building, too. You might know exactly how much your house would cost to rebuild right now, but that will be completely blown out of the water if some widespread disaster hits and there's a huge demand for contractors and building materials. (Speaking of disaster, you're in southern California? Do you have earthquake coverage?)
And any agent worth her salt will probably try to sell you an umbrella. That's not a bad thing, they're worth having in the right situation. There's a deep discussion here:
http://forum.mrmoneymustache.com/ask-a-mustachian/umbrella-insurance-yay-or-nay/?topicseen