PRMA Featured in Risk & Insurance: High-Net-Worth Clients Face Growing Gaps Between Insurance Concerns and Coverage

• By: PRMA
• On: 12/12/2025 12:39:32
• In: PRMA In The News
• Comments: 0

Risk & Insurance recently highlighted findings from PRMA's 2025 Private Client Insurance Insights Survey, revealing a significant disconnect between the risks affluent homeowners worry about and the coverage they actually hold.

According to the survey of 250 high-net-worth (HNW) households, while many express confidence in their insurance overall, a large share remain concerned about gaps related to cyber threats, extreme weather, litigation exposure, and policy exclusions. The research also found notable generational differences in risk perceptions, with younger affluent clients showing greater concern about cyber and liability risks compared to older cohorts. Despite strong overall satisfaction with coverage, challenges persist in areas such as claims satisfaction and affordable protection in high-risk states.

These insights underscore the evolving needs of HNW clients and the opportunity for agents to shift from transactional policy placement toward more comprehensive risk partnership.

Read the full article here: High-Net-Worth Clients Face Growing Gaps Between Insurance Concerns and Coverage, Survey Finds