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Most of us will never own a Picasso or a Rembrandt. But we may own (or someday own) a pricey piece of art. And that brings up the issue of how to insure fine art.
When you think of separately insuring a pricey item, many people think of engagement rings and other kinds of jewelry. But extra coverage can also come in handy for anything from a valuable stamp collection to an expensive fur to—you guessed it—fine art.
Typically, your art coverage is included in your personal property limit on your homeowners policy or renters policy. That should be sufficient for the vast majority of people who own fine art.
Yet maybe you inherited or bought a piece by a real master. If that’s the case, you’ll want to consider a separate endorsement for your fine art.
Even if your fine art is covered under your homeowners or renters policy, you may still want to endorse it under your policy.… Read More
How to Insure Fine Art
Most of us will never own a Picasso or a Rembrandt. But we may own (or someday own) a pricey piece of art. And that brings up the issue of how to insure fine art.
When you think of separately insuring a pricey item, many people think of engagement rings and other kinds of jewelry. But extra coverage can also come in handy for anything from a valuable stamp collection to an expensive fur to—you guessed it—fine art.
Typically, your art coverage is included in your personal property limit on your homeowners policy or renters policy. That should be sufficient for the vast majority of people who own fine art.
Yet maybe you inherited or bought a piece by a real master. If that’s the case, you’ll want to consider a separate endorsement for your fine art.
Even if your fine art is covered under your homeowners or renters policy, you may still want to endorse it under your policy.… Read More