Art enthusiasts take great pride in their personal art collection.  They also understand thbenefits of beautiful collection can be a smart financial investment as well.    

Most homeowners' policies do not adequately cover fine art collections.  Therefore, whether it's for personal viewing enjoyment or an investment, you may consider purchasing fine art insurance policy to preserve your collection.   

Collections can be insured in several ways.  Coverage is typically offered by scheduling individual pieces if the collection contains higher-valued items or under a blanket amount, such as $100,000 to covering a bundle of lower-valued pieces.  Often, it's a combination of both.  

POLICY INCLUSIONS

Art insurance policies may include the following:

  • Worldwide coverage, including while in transit or on loan
  • Agreed Values
  • Market appreciation up to an additional 50% of scheduled value
  • No Deductibles
  • Protection for loss in original value if damaged
  • Cash-out or Replacement options
  • Coverage for pairs and sets
  • Protection immediately upon purchase and up to 60-90 days following.
  • Coverage for works-in-progress
  • Before purchasing, items are covered while on loan to take home.

The professionals at McKinney-Green Insurance can also help with best practices on storing and protecting a collection, connect you to 3rd party professional appraisers, and recommend the best inventory solutions.

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