What can be covered under an antique insurance policy?
‘Antiques’ can cover a range of possessions. It might refer to your antique furniture collection, something which is enjoyed by a great many of our clients. Whether you’re the proud owner of an 18th century Florentine chest or a stunning painted armoire, antique furniture is unlikely to be adequately covered under a standard home contents policy.
You may have a collection of antique statues and sculptures—or perhaps one truly stunning statement piece. Either way, it’s important to arrange adequate cover. This is particularly true for items such as smaller sculptures, which can prove tempting to thieves.
It is worth considering covering china, glass and porcelain, as these items are quite fragile and therefore could be accidentally damaged. Another antique item which can be fragile is books. Many stately homes, for example, may have incredibly valuable collections of manuscripts, scrolls or illuminated volumes.
Sometimes, clients have valuable antique items which they may erroneously consider to be less valuable. Antique dolls are an example of this; although the individual value may be lower, those with large collections should still take care to check their dolls are covered. Of course, whilst no insurance policy can make up for the sentimental loss of a treasured item, adequate financial protection remains important.
How to insure your antiques collection
Whether you want to cover all of your antiques under one policy or separately insure them,
and our experts can confidently guide you in how best to protect your beloved assets. Generally, you can insure an antiques collection under a single policy, or on a piece-by-piece basis. There are pros and cons to both approaches. If you have a large number of lower value items, insuring a large collection under a single policy may be easier. However, depending on the nature of your items, it may be better to arrange individual cover.