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High-net-worth individuals typically insure possessions with a mass market insurer and don’t know they are underinsured until it is too late.

A survey of 600 agents and brokers by Ace Private Risk Services appears to confirm what the high-net-worth (HNW) insurance industry has been up against—a large portion of its client base is unaware of specialty products meant for their lifestyle, and the coverage doesn’t have to be expensive.

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