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Superstorm Sandy may have provided the most persuasive argument yet for the benefits of insurance coverage designed specifically for the owners of high-value homes. Those who bought coverage from specialists in the high-net-worth niche—including ACE Private Risk Services, AIG Private Client Group, Chubb, Fireman’s Fund and PURE—benefited from quicker service for tree removal, a broader interpretation of coverage for sewer and drain back-up, greater flexibility with flood and excess flood solutions and full replacement cost.

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