we’ve been doing some renovations on our house in tallahassee lately and a friend mentioned that our standard home policy is probably way underinsured for current property values around here.

i haven’t really looked into specialized policies before, but they suggested asking an agent about high net worth insurance options instead of just sticking with the basic retail carriers.

for anyone with higher value properties in the area, do you actually bother with specialized brokers or is standard coverage usually fine?