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Fine art

Fine art and collectibles, covered for what they are worth.

Art, antiques, wine, and collections are poorly served by standard homeowners limits, which cap payouts and cover only narrow perils. Scheduling them, or a dedicated collectibles policy, covers each piece at agreed value against a much broader set of losses.

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Standard homeowners coverage sub-limits art and collectibles and often excludes the losses collectors care about. A scheduled or dedicated collectibles program covers each piece at agreed value, against broad perils including accidental damage and breakage, usually with no deductible.

Why collections need their own coverage

A homeowners policy treats a valuable collection like ordinary contents, capping the payout and covering limited perils. For art, antiques, wine, and memorabilia, that leaves most of the value exposed.

Scheduling each piece at an appraised, agreed value covers it for accidental damage, breakage, and theft, the losses collectors actually face.

Keeping a collection covered

As a collection grows and values change, appraisals and schedules need to keep pace, and newly acquired items should be added promptly. Some programs include automatic coverage for new acquisitions for a window of time.

For larger collections, a dedicated fine-art or collectibles policy can offer broader terms than scheduling on a homeowners policy.

Frequently asked

Common questions.

Does homeowners insurance cover fine art?
Only up to a sub-limit and for limited perils. For meaningful art or collections, scheduling or a dedicated policy covers each piece at agreed value against broader losses.
How do I insure a collection?
Typically by scheduling items at appraised values or with a dedicated collectibles policy. We help value the collection and choose the right structure.
Do I need appraisals for art and collectibles?
Usually for higher-value pieces, yes. Appraisals set the agreed value. We help you understand what documentation each item needs.
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We will walk through your home, autos, assets, and liability, then show you what is worth a closer look. Educational, not a quote.

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We schedule pieces at appraised agreed value
We cover breakage and accidental damage
We keep schedules current as values change
You get a clear read, no obligation
Related resources

Keep going.

Coverage

Valuables & Jewelry

The broader valuables picture.

Coverage

High-Value Home

For affluent households.

Service

High-value home review

Coordinate the whole household.

Resource

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Check your collection coverage.
Independent, household-first

Fine art and collectibles, covered for what they are worth.

Tell us about your household and we will give you a straight read on coverage, gaps, and the right next step. No pressure, no obligation.

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