Nowadays, real estate loans come tagged with commercial property insurance and most people prefer it that way. Banks are also comfortable with this trend and have come forward to lend financing to pay the insurance premium. In the wake of Hurricane Katrina and other destructive storms, getting affordable property insurance hasn’t been easy. Many private insurers shed high risk clients after storms in 2004 and 2005, and raised assessments for others. High net worth property insurance is something that should be considered if you are a high net worth individual. Of course the definition of a high net worth individual is very subjective according to who you are and how much you earn.