{"id":19,"date":"2011-05-09T17:05:18","date_gmt":"2011-05-09T21:05:18","guid":{"rendered":"http:\/\/artinsurancenow.com.s114801.gridserver.com\/blog\/?p=19"},"modified":"2018-04-12T15:38:17","modified_gmt":"2018-04-12T19:38:17","slug":"collectibles-insurance-mythbusters","status":"publish","type":"post","link":"https:\/\/www.artinsurancenow.com\/blog\/collectibles-insurance-mythbusters\/","title":{"rendered":"Collectibles Insurance MythBusters:"},"content":{"rendered":"

Collectibles Insurance MythBusters:<\/h3>\n
    \n
  1. Insurance Myth:<\/strong> My Art collection or Collectible collection is covered by my homeowners\u2019 insurance.
    \nThe FACTS<\/strong>: In most cases, your homeowners’ is designed to cover personal property and is not nearly enough to protect your collection.\u00a0 There is no coverage for Breakage and sub-limits for theft. Many Homeowners Policy, will not cover your collection off premises, not even if lent to a Museum or Art Gallery.<\/li>\n
  2. Insurance Myth:<\/strong> No insurance policy would cover my unique collection.\u00a0 May it be Ceramic Art, Glass Art, Sculptures, Fine China or Unique objects\u00a0if it has value, it can be Insured.
    \nThe FACTS<\/strong>: There are many Insurance companies like\u00a0\u00a0AXA, Travelers, Markel, Chubb or Chartis that will cover most types of collections,\u00a0for a wide range of losses, Each company has a unique policy, coverage forms,\u00a0exclusions, and limitations.\u00a0 This is why, you need to speak with us, to help you review the differences.<\/li>\n
  3. Insurance Myth:<\/strong> I’ll have to itemize every item in my collection and get it appraised to get insurance.
    \nThe FACTS<\/strong>: No appraisals are necessary depending on if\u00a0the\u00a0Art or collectible has a reasonable high\u00a0Values.\u00a0 \u00a0You estimate the value of your collection and determine the amount of insurance.\u00a0 Although an inventory is not always required at the time of application to purchase insurance.\u00a0 Bernard Fleischer & Sons, Inc, strongly recommends its customers maintain an inventory to streamline, provide proof, and expedite claims in the event of a loss.<\/li>\n
  4. Insurance Myth:<\/strong> Insuring my collection will cost me a fortune.
    \nThe FACTS<\/strong>: A Fine Art\/collectibles policy is typically less costly than scheduling items on your homeowner’s insurance.\u00a0 Call us today to get a quote for your prized collection.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"

    Collectibles Insurance MythBusters: Insurance Myth: My Art collection or Collectible collection is covered by my homeowners\u2019 insurance. The FACTS: In most cases, your homeowners’ is designed to cover personal property and is not nearly enough to protect your collection.\u00a0 There is no coverage for Breakage and sub-limits for theft. Many Homeowners Policy, will not cover … Continue reading Collectibles Insurance MythBusters:<\/span> →<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[6,5,7,9,8,1],"tags":[],"yoast_head":"\nCollectibles Insurance MythBusters: - Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors from New York to California<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.artinsurancenow.com\/blog\/collectibles-insurance-mythbusters\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Collectibles Insurance MythBusters: - Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors from New York to California\" \/>\n<meta property=\"og:description\" content=\"Collectibles Insurance MythBusters: Insurance Myth: My Art collection or Collectible collection is covered by my homeowners\u2019 insurance. The FACTS: In most cases, your homeowners’ is designed to cover personal property and is not nearly enough to protect your collection.\u00a0 There is no coverage for Breakage and sub-limits for theft. Many Homeowners Policy, will not cover … Continue reading Collectibles Insurance MythBusters: →\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.artinsurancenow.com\/blog\/collectibles-insurance-mythbusters\/\" \/>\n<meta property=\"og:site_name\" content=\"Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors from New York to California\" \/>\n<meta property=\"article:published_time\" content=\"2011-05-09T21:05:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-04-12T19:38:17+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"wfleischer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.artinsurancenow.com\/blog\/#website\",\"url\":\"https:\/\/www.artinsurancenow.com\/blog\/\",\"name\":\"Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors from New York to California\",\"description\":\"Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors in New York & California\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.artinsurancenow.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.artinsurancenow.com\/blog\/collectibles-insurance-mythbusters\/#webpage\",\"url\":\"https:\/\/www.artinsurancenow.com\/blog\/collectibles-insurance-mythbusters\/\",\"name\":\"Collectibles Insurance MythBusters: - Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors from New York to California\",\"isPartOf\":{\"@id\":\"https:\/\/www.artinsurancenow.com\/blog\/#website\"},\"datePublished\":\"2011-05-09T21:05:18+00:00\",\"dateModified\":\"2018-04-12T19:38:17+00:00\",\"author\":{\"@id\":\"https:\/\/www.artinsurancenow.com\/blog\/#\/schema\/person\/c118925a210a3cdb7a61b5661a98a2e1\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.artinsurancenow.com\/blog\/collectibles-insurance-mythbusters\/#breadcrumb\"},\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.artinsurancenow.com\/blog\/collectibles-insurance-mythbusters\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.artinsurancenow.com\/blog\/collectibles-insurance-mythbusters\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.artinsurancenow.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Collectibles Insurance MythBusters:\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.artinsurancenow.com\/blog\/#\/schema\/person\/c118925a210a3cdb7a61b5661a98a2e1\",\"name\":\"wfleischer\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.artinsurancenow.com\/blog\/#personlogo\",\"inLanguage\":\"en-CA\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a289c9adf01e92af56f63d9dc1196bad?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a289c9adf01e92af56f63d9dc1196bad?s=96&d=mm&r=g\",\"caption\":\"wfleischer\"},\"sameAs\":[\"http:\/\/bfbond.com\"],\"url\":\"https:\/\/www.artinsurancenow.com\/blog\/author\/wfleischer\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Collectibles Insurance MythBusters: - Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors from New York to California","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.artinsurancenow.com\/blog\/collectibles-insurance-mythbusters\/","og_locale":"en_US","og_type":"article","og_title":"Collectibles Insurance MythBusters: - Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors from New York to California","og_description":"Collectibles Insurance MythBusters: Insurance Myth: My Art collection or Collectible collection is covered by my homeowners\u2019 insurance. The FACTS: In most cases, your homeowners’ is designed to cover personal property and is not nearly enough to protect your collection.\u00a0 There is no coverage for Breakage and sub-limits for theft. Many Homeowners Policy, will not cover … Continue reading Collectibles Insurance MythBusters: →","og_url":"https:\/\/www.artinsurancenow.com\/blog\/collectibles-insurance-mythbusters\/","og_site_name":"Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors from New York to California","article_published_time":"2011-05-09T21:05:18+00:00","article_modified_time":"2018-04-12T19:38:17+00:00","twitter_card":"summary","twitter_misc":{"Written by":"wfleischer","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebSite","@id":"https:\/\/www.artinsurancenow.com\/blog\/#website","url":"https:\/\/www.artinsurancenow.com\/blog\/","name":"Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors from New York to California","description":"Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors in New York & California","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.artinsurancenow.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-CA"},{"@type":"WebPage","@id":"https:\/\/www.artinsurancenow.com\/blog\/collectibles-insurance-mythbusters\/#webpage","url":"https:\/\/www.artinsurancenow.com\/blog\/collectibles-insurance-mythbusters\/","name":"Collectibles Insurance MythBusters: - Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors from New York to California","isPartOf":{"@id":"https:\/\/www.artinsurancenow.com\/blog\/#website"},"datePublished":"2011-05-09T21:05:18+00:00","dateModified":"2018-04-12T19:38:17+00:00","author":{"@id":"https:\/\/www.artinsurancenow.com\/blog\/#\/schema\/person\/c118925a210a3cdb7a61b5661a98a2e1"},"breadcrumb":{"@id":"https:\/\/www.artinsurancenow.com\/blog\/collectibles-insurance-mythbusters\/#breadcrumb"},"inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.artinsurancenow.com\/blog\/collectibles-insurance-mythbusters\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.artinsurancenow.com\/blog\/collectibles-insurance-mythbusters\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.artinsurancenow.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Collectibles Insurance MythBusters:"}]},{"@type":"Person","@id":"https:\/\/www.artinsurancenow.com\/blog\/#\/schema\/person\/c118925a210a3cdb7a61b5661a98a2e1","name":"wfleischer","image":{"@type":"ImageObject","@id":"https:\/\/www.artinsurancenow.com\/blog\/#personlogo","inLanguage":"en-CA","url":"https:\/\/secure.gravatar.com\/avatar\/a289c9adf01e92af56f63d9dc1196bad?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a289c9adf01e92af56f63d9dc1196bad?s=96&d=mm&r=g","caption":"wfleischer"},"sameAs":["http:\/\/bfbond.com"],"url":"https:\/\/www.artinsurancenow.com\/blog\/author\/wfleischer\/"}]}},"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p65KH6-j","jetpack-related-posts":[{"id":10972,"url":"https:\/\/www.artinsurancenow.com\/blog\/homeowners-insurance-vs-specialty-fine-art-insurance-gaps-2026\/","url_meta":{"origin":19,"position":0},"title":"Homeowners vs Fine Art Insurance: Gaps in 2026","date":"April 21, 2026","format":false,"excerpt":"Homeowners vs Fine Art Insurance: Gaps in 2026 Direct Answer \/ TL;DR: In this homeowners vs fine art insurance guide you\u2019ll see why standard homeowners insurance treats fine art as ordinary personal property with severe sub-limits, named-peril coverage only, depreciated payouts, and almost no transit protection. Specialty fine art insurance\u2026","rel":"","context":"In "Collectors Insurance"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":10979,"url":"https:\/\/www.artinsurancenow.com\/blog\/5-essential-fine-art-insurance-2026\/","url_meta":{"origin":19,"position":1},"title":"5 Essential Fine Art Insurance Facts for Collectors 2026","date":"April 21, 2026","format":false,"excerpt":"5 Essential Things Every Art Collector Needs to Know About Fine Art Insurance in 2026 Updated April 2026 \u2014 By William Fleischer, CIC In 2026 the global art market continues to set records, making fine art insurance an essential\u2014not optional\u2014part of responsible collecting. Whether you own a single important piece\u2026","rel":"","context":"In "Art Collector"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":47,"url":"https:\/\/www.artinsurancenow.com\/blog\/what-travelers-have-to-say-about-art-insurance\/","url_meta":{"origin":19,"position":2},"title":"What Travelers has to say About Art Insurance","date":"May 13, 2011","format":false,"excerpt":"Inland Marine \u2014 Fine art What it covers Travelers offer unparalleled coverage for the protection of scheduled fine art items. Coverage for such fine art is available at a permanent location, in transit or while loaned to others. Our Agreed Value Fine Arts Policy ensures that fine art collections are\u2026","rel":"","context":"In "Antique"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":634,"url":"https:\/\/www.artinsurancenow.com\/blog\/art-collection-more-valuable-than-home\/","url_meta":{"origin":19,"position":3},"title":"Art Collection more Valuable than your Home?","date":"March 22, 2016","format":false,"excerpt":"I received an interesting referral from the insurance carrier, Liberty Mutual. The homeowner has insurance for his home of $350,000 but his art collection is worth $400,000. Liberty Mutual would not insure the art so they sent him to me. I also get similar referrals from insurance carriers like USAA\u2026","rel":"","context":"In "Art Insurance"","img":{"alt_text":"Art Collection and Home","src":"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2016\/03\/Artboard-3@4x-1.png?fit=1200%2C682&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":547,"url":"https:\/\/www.artinsurancenow.com\/blog\/insuring-art-work-without-appraisals\/","url_meta":{"origin":19,"position":4},"title":"Insuring Art Work at Market Value","date":"December 3, 2015","format":false,"excerpt":"Collecting Art is fun, but maintaining values fluctuate a lot on an insurance policy.\u00a0 All homeowners policies where fine art is a part of the policy are written on a scheduled basis. To add these artworks to your schedule,\u00a0the company requires a current bill of sale or a current appraisal.\u00a0\u2026","rel":"","context":"In "American Collectors Insurance"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":131,"url":"https:\/\/www.artinsurancenow.com\/blog\/collector-insurance\/","url_meta":{"origin":19,"position":5},"title":"Collectors Insurance","date":"October 23, 2013","format":false,"excerpt":"We represent Insurance Companies to make\u00a0it easy\u00a0for you to protect the things you collect. Homeowners insurance alone does not provide enough coverage for your clients\u2019 treasured items. That\u2019s why our\u00a0collectibles program\u00a0is the perfect complement to your standard personal lines products. It enables you to protect the full collector value of\u2026","rel":"","context":"In "Art Collector"","img":{"alt_text":"Bid Bonds","src":"https:\/\/i0.wp.com\/artinsurancenow.com\/blog\/wp-content\/uploads\/2013\/10\/collectibles-AIN-1-300x199.jpg?resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/posts\/19"}],"collection":[{"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/comments?post=19"}],"version-history":[{"count":6,"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/posts\/19\/revisions"}],"predecessor-version":[{"id":10270,"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/posts\/19\/revisions\/10270"}],"wp:attachment":[{"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/media?parent=19"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/categories?post=19"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.artinsurancenow.com\/blog\/wp-json\/wp\/v2\/tags?post=19"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}