A family that has accumulated substantial assets knows that it needs insurance protection. However, they may not be aware of how their risk of loss has changed over the last few years. Their home and assets have all become more expensive to replace, and they are facing growing threats of loss from natural catastrophes. Homes in coastal areas, particularly remote locations - on mountainsides, near forests or overlooking the ocean - may have inflated construction costs due to the expense of rebuilding in those spots. In some states, the cost of rebuilding a home is increasing at a 6 to…