Homeowners insurance question - is there a good rule of thumb about how much personal property insurance one should buy?

My homeowners insurance renews in about a month. This year’s renewal is somewhat higher than last year’s price, even though I have had no claims for 25 years. So I am shopping around.

My current policy calculates the personal property value at 75% of the home value. A competitor’s policy calculates it at 50% of the home value. The difference in personal property value changes the annual premium by around $65.

I have no clue what everything in my house is worth. I haven’t added it up and I have no interest in doing so. I don’t have jewelry or anything special – a couple of beds, a couple of TVs, clothing, pots and pans – nothing super fancy.

What is a good rule of thumb for personal property valuation as a percentage of home value?