If you’re proud of your fine art collection in your home, our team in San Diego, CA at Rancho Del Sur Insurance Services Inc. wants to help you ensure that this asset is protected through the appropriate insurance policy. You may already have homeowners insurance through our agency. In that case, you might wonder if the policy can cover fine art pieces and protect your prized collection.
Coverage is subject to regulations in the insurance industry. Still, for those who haven’t purchased a home insurance policy with us yet, it can be important to ask questions about how we might be able to help you protect the items that are most valuable to you like your art collection. Although every insurance policy has terms and limits that apply to that policy, we may be able to answer this question on a general level to give you a starting point for deciding what type of insurance may be best for keeping your art pieces protected from theft and more.
Can Home Insurance Cover Fine Art Pieces?
Although some policies may have terms and limits that exclude fine art pieces, most home insurance policies provide some sort of coverage for valuable items and assets like fine artworks. From fine art paintings to sophisticated sculptures to drawings to prints and beyond, your home insurance policy may be able to reimburse you if your fine art piece is stolen. While some policies have exclusions that account for natural wear and tear and pests that may damage the artwork, most policies should cover some assets even if those policies exclude art as a whole.
To learn more about our home insurance policy options in San Diego, CA, call Rancho Del Sur Insurance Services Inc. for more information today!