Illustrated city street with a brownstone stoop and a purple flower pot, trees, a distant skyline and a glass-fronted gallery with framed art and a sculpture inside

Art, jewelry and valuables insurance

your collection, covered at full value.

Art, jewelry, watches and wine. Covered at home, in storage and on the move.

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MARKETS WE PLACE THROUGH

what you love, properly covered.

Damage, loss and theft, at home and away. Tap around the house to see what’s covered, and what isn’t.

Illustrated cutaway of a home: a living room with a landscape painting and a sculpture on a pedestal, a dressing table with a jewelry box, a bedroom dresser with a watch box, a wine cellar with a wine cooler, and a storage room with a painting in a shipping crate and a wall safe

covered

A painting gets damaged

Restored, or paid at its scheduled value.

covered

A ring goes missing

Lost or stolen, on scheduled pieces.

usually covered

A watch is stolen on a trip

Worldwide, on most policies.

usually covered

A painting on loan or in transit

On most policies, with notice.

covered

A painting gets damaged

Restored, or paid at its scheduled value.

Examples. Your policy sets the details.

damage or loss?
make one call.

We bring in the right restorer or appraiser and follow the claim until it’s closed.

1. Call us first
Tell us what happened. Don’t try a repair yourself.
2. We bring in experts
Restorers, appraisers and the carrier, lined up for you.
3. We push it through
Restoration or payment, followed to the end.

the best price, without the shopping.

Tell us about your home and family once. We compare the carriers and bring back your options, side by side.

The Park family

your options

$4,800a year, $1.5M scheduled

3 options, same coverage

Option A$4,800

Option B$5,300

Option C$6,100

12 paintingsJewelryWatchesHome safe

compare your options

same
coverage,
best price

get started Already insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

1. Send your policy
Your current policy is enough. No forms.
2. We compare
Coverage, service and price, side by side with today’s options.
3. You choose
Stay or switch. If you switch, we handle the paperwork.

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Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about insuring art and valuables.

Is art covered by my homeowners policy?

Usually only in part. Home policies cover art as general contents, often with limits and without coverage for accidental breakage. A fine art policy schedules each piece at an agreed value and typically covers breakage, transit and loans.

What is scheduled personal property?

It’s coverage that lists specific items, like a painting, ring or watch, each with its own agreed value. Scheduled items are usually covered for loss, theft and accidental damage, often worldwide and without a deductible. Values are typically set by an appraisal or receipt.

How do I insure a watch or jewelry collection?

Schedule the pieces on a valuables policy with current appraisals. Many carriers also offer blanket coverage for smaller items up to a set amount per piece. Update appraisals every few years, since values for jewelry and watches can change a lot.

Do I need an appraisal to insure art?

Often for higher-value pieces. Carriers may accept a recent bill of sale for newer work, but many require a professional appraisal for items above a certain value. Keeping appraisals current helps make sure a claim pays what the piece is actually worth.

Is art covered when it’s on loan or in transit?

Often, on a fine art policy, though conditions apply. Many policies cover works in transit and on loan to museums, sometimes with notice to the carrier or approved shippers. Museum loan agreements may also require specific coverage, so review them together.

Insurance words, in plain English: scheduled personal property · agreed value