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Covering Artwork And Antiques

worth $2 million, having no documentation, and trying to get that amount from the insurance adjuster after it's stolen? Another problem common to fine art and antiques is valuation. Replacing this type of property usually isn't even possible. What is the replacement cost of a Picasso? What's the replacement cost of your antique, hand-carved table? Even if it can be replaced with a new, identical table, doesn't its historical value often exceed - sometimes far exceed - the value of a new table? Because replacement cost coverage just doesn't apply to these types of items, most insurance policies now settle these losses for the market value at the time of the loss. That's good news for you. The bad news is that the burden of documenting what you have falls entirely on your shoulders. Yet another difficulty with insuring this kind of property is that the value can increase while your coverage remains static, especially if you schedule the items. With each passing year, your coverage becomes more and more inadequate.


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