PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Does home insurance cover artwork?
I’m an art lover and I’d love to start collecting. I know some of the pieces I want are fairly valuable, so I want to keep them protected. Will home insurance cover artwork?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Since you’re investing money into your collection, you’re right to want to keep it protected. Home insurance will cover artwork, but you’ll also want to consider purchasing a fine arts floater.
Anything you own, such as jewelry, electronics, or furniture, has coverage under personal property or Coverage C of your home insurance policy. If a
covered peril
damages these items, your policy will typically pay out the actual cash value or replacement cost, depending on the type of policy you have. That said, there are limits to certain categories of items and limits to your coverage. If you’re planning on collecting valuable pieces, it’s in your best interest to add additional coverage through a floater.
A fine arts floater covers:
- Paintings
- Manuscripts
- Tapestries
- Antiques
- Pictures
With this coverage, items are covered under agreed value. Since the actual cash value (which includes depreciation) of antiques or specialty items would be considerably less than the agreed on value, having this coverage ensures you receive the full value of the items.
Additionally, a floater extends coverage to any new item for 90 days, meaning you won’t have to rush to report it.
If you’d like to add a floater to your current home insurance, reach out to your provider. It will increase the cost of your home insurance, but it’ll ensure the value of your new collection is covered.
After getting a quote for coverage from your current provider, consider shopping around with the
Jerry
app to ensure you’re getting the best rate. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and helps to cancel your old policy. Even better—Jerry will help you bundle your home and auto policies for maximum savings.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies