Texas Home Owners Insurance

Insurance homeowners – who decides on the amount of coverage? Me or the insurance company?
Hi all – I am buying a insurance coverage for our home, and it was confusing to say the least. This is the average home built in an area where there are considerations such as hurricanes (Texas Coast) and the house was always regularly for a year. We have not had a claim. As for the mortgage, is not "official" mortgages, as the house was owner-financed by the family. How safe are the amounts decided? I realize we're in a high risk area to the extent that insurance is concerned, but it seems that the companies I talked with the high volume of coverage and price without asking what I like. Is it just a way home insurance works, or should I make decisions? Sorry if these questions sound stupid, but I am overwhelmed by this process!
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Group Insurance Of Texas