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When it comes to protecting your home and ensuring you’ve got the right insurance coverage, there are a number of areas that are easily overlooked in high-value homes.
Many high-end homes include unique upgrades—there is a big difference between marble tiles that you can find at the big-box retailers and custom-made marble tiles that are chosen for their colour and thickness from a quarry in Italy and flown overseas. The same goes for hardwood floors—if you have a rare or exotic hardwood that has to be imported, you will want to make sure that your insurance broker knows and includes that in your insurance policy. If you have a unique or expensive chandelier, you’ll want to let your broker know that as well, so that it is specifically included in your insurance policy.