Will my standard home insurance cover my art, antiques, or collectables?

Contents insurance within a standard home insurance policy will have maximum values that it will pay out for any one item. This typically isn't high enough to cover high value collectables and works of art. Our experienced advisers will discuss the options with you and compile a suitable policy to protect your high-value items.

Are new purchases covered automatically?

This will depend on the policy - there are options available to cover new purchases up to an agreed limit, or up to an agreed timescale (for example, while the items are in transit to your home).

How is the value of my items agreed?

The value is normally determined based on a professional valuation. Some policies provide 'agreed value' cover, which allows you to claim up to an agreed amount, avoiding disputes when you come to make a claim. Our team has a network of industry contacts and can help arrange a professional valuation if required.

Art, Antiques & Collectables Insurance

Name: Art, Antiques & Collectables Insurance
Brand: Alan Boswell Group
Rating: 4.8 (12399 reviews)

Our expert team can arrange cover for fine art, paintings, sculptures, antiques, jewellery, watches, rare books, coins, stamps, wine collections, memorabilia, and other valuable collections.

This cover is available as part of a high-value home insurance policy, allowing us to create a seamless, comprehensive policy that protects both your home and your most treasured assets.

The Alan Boswell Group Difference

We understand that protecting valuable possessions such as fine art, antiques, and collectibles requires more than a standard insurance policy. It demands expertise, care, and discretion.

Our Private Clients team takes pride in offering a truly personal service. Each client has a dedicated contact, supported by a knowledgeable team who understand the unique risks associated with high-value items and collections.

By taking the time to understand your home, lifestyle, and the stories behind your possessions, we can recommend cover that provides complete confidence and peace of mind.

Nicola Chrebelska - Private Client Account Executive

How our clients rate us

Service as always was excellent. Mark Linehan and his team always go the extra mile and some lateral thinking on their part secured a reduced premium.

Sirs - Household Insurance

4.8/5 12399 reviews

Art, antiques & collectables insurance in detail

The following covers are typically included as standard:

Pairs and sets

Protects the increased value of items that form part of a pair or set if one piece is lost or damaged.

Worldwide cover

Includes protection for your items wherever they are in the world.

The following covers aren't typically included as standard, but can be added to a policy:

Repair, restoration or replacement

Covers the cost to repair, restore, or replace damaged or lost items up to the agreed value.

New acquisitions

Automatically covers newly purchased items for a limited period. Depending on the insurer, this can be up to 30% of the total sum insured.

Defective title

If the item is found not to be rightfully yours, this cover will pay for the agreed value plus your legal fees.

Loss of value

Provides cover for any depreciation in value following a repair.

Death of artist

Automatic cover for increased market value following the artist's death.

Exclusions

Cover for your art, antiques, and collectables is provided as part of a bespoke home insurance policy. Typically, policies do not cover:

Damage or loss due to wear and tear or poor maintenance.
Costs exceeding the insured amount.
Items permanently kept away from your listed addresses (unless specifically agreed).
The policy excess (the amount you’ll pay towards any claim).

FAQs

Get in touch

Whether you need a quote, have a general enquiry, want to register a claim, or talk it through over the phone, we're here to help.

Speak to our Norwich office: 01603 218007

Speak to our Cambridge office: 01223 445463

Art, Antiques & Collectables Insurance

The Alan Boswell Group Difference

How our clients rate us