Editor's note: This article first appeared on Insure.com and is reprinted here with their permission. Click here for the original post.

The more you own, the more you have to lose—and the more complicated it is to insure it all.

For the wealthy, it's not just about insuring a house and a family sedan or worrying about run-of-the-mill threats like fire and theft. There are multiple houses, luxury cars, boats and collections to protect, as well as kidnappers and litigious opportunists to guard against.

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