Please ensure Javascript is enabled for purposes of website accessibility

Should Your Art Be Insured?

Should Your Art Be Insured?

Should Your Art Be Insured?If your art isn’t properly insured, you could potentially lose your entire investment.

You may not think of yourself as a “collector,” but even a few pieces of art (not including your child’s refrigerator art), antique furniture, or valued objects require special attention when it comes to their financial protection. You may not like the idea of paying to protect the art you bought because you simply love art, but knowing the market value of the pieces you own can help you make better decisions when it comes to your financial future.

One of the most common mistakes collectors make is to assume they can rely on their homeowners insurance to protect their art and cover them should something happen to any piece from their collection. You may not think you need separate insurance for artwork, but even the most robust of homeowners insurance policies will have limits concerning the coverage for fine art and its value. For example:

  • In the event of damage, you’ll have to pay your deductible first before your insurance coverage kicks in and covers the rest.
  • The value of your covered items may be subject to depreciation, especially the longer you go without a proper evaluation of its current marketplace value.
  • Homeowners insurance policy generally cap limits on content coverage. A few paintings, or even one valuable piece of art, could easily exceed your limit! Plus, you may not want to use all of your coverage on paintings when there’s some real damage to your home.

Your art needs to be insured to protect it. Without the right coverage, you won’t be reimbursed for your investment. Our agents at Remland Insurance have many years of experience and have the option of writing coverage with over 25 local insurance carriers, allowing for different price points and amounts of coverage. Give us a call today at (714)532-3341.


The COVID 19 virus has certainly changed our lives for the short term both at home and at work. Our office is working in compliance with state and local officials and their request to minimize contact with others for the short term so that we can shorten the life of this virus.
As such, our offices will be available by phone or by e mail 8-5 Monday thru Friday. If you need to make an appointment to come by, please call us before you drop by, so we can reduce risk, and take care of our staff and just be safe.
Please don’t hesitate to call us and if for some reason you can’t reach us, please look at our website for carrier contact information. Thank You for your continued business.

Contact us Call Us