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Illustrated estate with a stone house flying a purple flag on one side, a glass garage holding a classic convertible on the other, and a sculpture on a lawn between them

Insurance for collectors

for the things
you can’t replace.

Art, cars, watches, jewelry and wine, each at an agreed value. One advisor who knows collections and the specialist carriers that insure them.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

every piece, properly covered.

Art, watches, cars and wine. Tap around to see how each is covered, and where the gaps usually are.

Illustrated cutaway of a collector’s house: a gallery with paintings and a sculpture on a pedestal, a study with a watch case, a wine cellar with a barrel, a storeroom with a crated painting and a safe, and a glass garage with a classic convertible

art and valuables

Paintings and sculpture

At an agreed value.

art and valuables

Watches and jewelry

Lost or stolen, when scheduled.

collector car

The classic car

At the value you agreed on.

with an add-on

The cellar

Breakage, and spoilage if you add it.

art and valuables

Paintings and sculpture

At an agreed value.

Examples. Your policy sets the details.

a stolen watch,
two outcomes.

Pick a policy to see what a $120K theft pays.

Scheduled

Pays the value you agreed on.

Each piece is listed at its appraised value and covered for loss and theft.

A $120,000 watch, stolen. What you get: $120,000. out of your pocket: $0.

damage or loss?
make one call.

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

  1. 1. Call us first

    Tell us what happened. Don’t try a repair yourself.

  2. 2. We bring in experts

    Restorers, appraisers and the carrier, lined up for you.

  3. 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 Laurent family

your options

$18,600a year, $6M scheduled

3 options, same coverage

Option A$18,600

Option B$20,400

Option C$23,100

40 paintings2 classic carsWatchesWine cellar
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

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

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 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 for collectors.

How do I insure a collection?
Usually with a valuables or fine art policy that schedules each significant piece at an agreed value, often with blanket coverage for smaller items. Good policies typically cover breakage, loss, theft and transit. Specialist carriers also help with appraisals and restoration after a loss.
What is the difference between blanket and scheduled coverage?
Scheduled coverage lists each piece with its own agreed value. Blanket coverage covers a category up to a total limit, often with a per-item cap, without listing every piece. Many collectors schedule their most valuable items and use blanket coverage for the rest.
Do I need appraisals for my collection?
Usually for higher-value pieces. Carriers may accept recent receipts for new purchases, but appraisals help set the right agreed value and speed up claims. How often to update them depends on the carrier and how quickly values move for what you collect.
Is my collection covered when it travels or is on loan?
Often, on a collector’s policy, though conditions apply. Many policies cover transit and loans to museums or exhibitions, sometimes with notice or approved shippers. Loan agreements may also require specific coverage, so review them together.
How do I insure a new purchase before it’s appraised?
Many collector policies cover newly acquired items automatically for a set period, up to a limit. How long and how much depend on the policy. Tell your advisor soon after the purchase and send the receipt so the piece can be scheduled.

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

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA