Fine Art, Jewelry & Collections Insurance
The pieces a standard policy never sees.
Art on the walls, jewelry in the safe, watches in rotation, wine in the cellar. A home policy treats them as contents. They are not contents — and insuring them that way leaves real value uncovered.
Standard homeowners coverage caps what it pays on valuables, often at a fraction of what a single piece is worth, and it pays on a depreciated basis. Valuables belong on coverage built for them — broader in what it covers, written to agreed value, and worldwide, so a piece is protected at home, in transit, and on loan.
Two ways to cover a collection, and most families need both: scheduled for the significant pieces, blanket for the broad and the changing. Knowing which piece belongs where is the work. We draw that line with you, and we keep appraisals and values current so the coverage doesn't fall behind the collection.
What we cover
Scheduled coverage
Names a piece and sets its value in advance — right for the significant items: the important painting, the heirloom ring, the watch you would replace immediately. Agreed before a loss, so there is nothing to negotiate after one.
Blanket coverage
Protects a category up to a limit without itemizing — right for the broad and changing: the costume jewelry, the working collection, the things you rotate. Practical, without a new appraisal for every acquisition.
The categories we place
Fine art — paintings, sculpture, works on paper, decorative arts. Jewelry — important pieces, heirlooms, everyday wear. Watches — single pieces and collections. Wine — cellars, including spoilage and transit. And other collections.
Begin with a conversation
Tell us what you own and where you stand, and we'll size the coverage to it — privately, and at your pace. It commits you to nothing.
Schedule a conversation