Fine Art Insurance
Fine art is more than just decoration—it’s an investment, a passion, and often, a legacy that transcends generations. The pieces a collector chooses to collect, whether they are paintings, sculptures, photography, or mixed media, carry not only aesthetic appeal but also emotional and financial value. This reflection of a collector’s personal taste tells a story of artistic journey. An art collection deserves protection that reflects its true value and significance, as well as the time, effort, and emotion a collector has devoted to curating their collection over the years.
Your Collection Is More Than Items & PCI Understands That Like Nobody Else
With decades of experience and a shared passion for collecting, our team knows the thrill of the hunt, the joy of discovery, and the satisfaction of completing a set. We’ve helped countless collectors safeguard their lifelong treasures, ensuring their stories are preserved for the future. We also work with insurance brokerages to help their brokers protect their VIP clients’ most valued treasures.
Insurance for Fine Art
PCI’s specialized fine art insurance ensures a high-value art collection is safe from the unexpected, offering comprehensive coverage tailored to their unique needs and circumstances. This specialized insurance not only covers losses due to theft, damage, or natural disasters but also provides peace of mind, allowing an art collector to enjoy their art without the constant worry of potential risks. By investing in fine art insurance, a collector can safeguard not just the objects but the memories and experiences attached to them, preserving both their investment and legacy for future generations to appreciate.
Collectors Should Never Rely On Their Homeowners Policy
Relying on a standard homeowner’s policy to protect fine art can leave collectors exposed to significant gaps in coverage. These policies often cap limits far below the value of even a single piece and may exclude crucial risks such as accidental damage, theft, mysterious disappearance, or natural disasters.
High deductibles further reduce claim value, while standard valuation methods typically cover only depreciated amounts instead of true market or appraised worth.
In addition, homeowner’s policies rarely extend global protection for art that’s loaned, transported, or exhibited, and most insurers lack the specialized expertise needed to handle fine art valuation or restoration. For serious collectors, dedicated fine art insurance is essential to ensure every piece is properly protected, wherever it resides.
Risks Private Collection Insurance's Fine Art Insurance Could Cover
Our blanket coverage makes insuring a growing collection effortless. New additions are automatically protected, so there’s no need to update the policy every time something new is acquired. Our team simplifies valuation by covering a collection as a whole, up to a specified limit, without requiring individual appraisals, unless a single item is worth more than $20,000. Most importantly, it gives a collector peace of mind to focus on finding the next treasure, knowing the entire collection is protected by a policy that evolves as the collection grows.
Fine Art Insurance FAQ
Fine art insurance is a specialized policy tailored to protect high-value art against theft, damage, loss, and other risks. Unlike homeowner’s insurance, it offers higher limits, broader protection, and appraised value coverage.
Yes, most insurers require a certified appraisal to determine the value of each piece, ensuring you’re fully compensated in case of a claim.
Paintings, sculptures, photography, mixed media, antiques, and even digital art can be insured under specialized fine art policies.
Yes, it typically includes coverage for damage caused during cleaning, framing, transport, or daily handling. However policies vary, so please contact Private Collection Insurance for more details.
Yes, specialized policies provide worldwide coverage, protecting art on display at home, galleries, museums, or during transportation.
Periodic appraisals allow you to update your policy, ensuring your coverage reflects the current value of your collection.
Yes, most insurers allow you to add newly acquired pieces to your policy, often with temporary automatic coverage until an appraisal is completed.
Factors include the total value of your collection, the type of coverage chosen, the location where the art is displayed or stored, and the security measures in place (e.g., alarms).
You can insure individual pieces or an entire collection, depending on your needs and preferences.
In some cases, many fine art insurance policies cover professional restoration services for damaged pieces. Contact PCI for more information.
Yes, specialized policies often include protection against natural disasters like floods, earthquakes, and fires, which homeowner’s insurance may exclude.
Insurance for High-Value Items & Collectibles
Private Collection Insurance (PCI) offers tailored insurance solutions designed to protect a wide range of rare and valuable items including, but not limited to Jewellery, Watches and Timepieces, Fine Art, Wine and Whiskey, Sports Cards, Comic Books, Memorabilia, Vinyl Records, Musical Instruments, Static Vehicle Collections, Coins, Firearms, Purses and Fashion, and other high-value items.
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Private Collection Insurance makes insurance protection simple and seamless. To begin the process, visit our application page to complete the relevant application form or briefly scroll down click to use our Contact Us form to get in touch with our team.