Your Art Collection Optimally Protected
Collecting art is a passion. Whether it's about modern paintings, antique furniture, sculptures or a complete collection – your art deserves the best protection. But standard home contents insurance often falls short.
A art insurance offers what your home contents insurance cannot: All-risk worldwide coverage, including transport to exhibitions, depreciation after restoration, and the couples clause for serial works. Your Hague School painting, design furniture or glass objects – everything is insured on the appraisal value.
At Finass Verzekert we compare specialized art insurers such as Hiscox and Turien Premium, and find the perfect cover for your unique collection.
Which Art Can You Insure?
Art insurance covers almost all forms of visual art and collectibles:
Paintings
Oil paint, acrylic, watercolor, pastel
Statues & Sculptures
Bronze, marble, wood, modern
Antique
Furniture, clocks, silverware
Ceramics & Porcelain
Delft blue, Chinese, design
Glass art
Stained glass, Murano, design
Photography
Prints, vintage, photo art
Design Furniture
Mid-century, vintage, Rietveld
Graphics & Drawings
Etchings, lithographs, drawings
Art Movements & Periods
Home contents insurance vs. Art insurance
❌ Standard Home Contents Insurance
- ✕ Art max. €15,000-€35,000
- ✕ Covered indoors only
- ✕ Transport not covered
- ✕ No depreciation
- ✕ No couples clause
- ✕ Fragile items limited
✓ Art insurance
- ✓ Higher limits (up to €150,000+ or custom)
- ✓ Insured worldwide
- ✓ Transport & exhibition covered
- ✓ Depreciation reimbursed
- ✓ Couples clause for series
- ✓ Damage covered by restorers
What is your art insured against?
Fire & Water
Fire damage, water damage, fire damage
Theft & Burglary
Burglary, theft, robbery
Damage
Fall, bump, break
Transportation
Moving, loan, exhibition
Exhibition
Fairs, museums, galleries
Restoration
Damage by restorers
Special Coverages
📉 Depreciation
Is your work of art worth less after restoration than before? The reduction in value (depreciation) will be fully reimbursed.
🔗 Couples clause
If one work in a series is damaged, the depreciation of the other works will also be compensated.
➕ New Purchases +25%
New works of art are automatically insured up to 25% of the insured amount. Report within 60 days.
🔄 Right of repurchase
Will your stolen art be recovered? You always have the option to buy the work back.
How much does art insurance cost?
The premium is average 0.15% to 0.5% of the insured value per year. Art is relatively cheap to insure because it usually stays indoors.
💰 Premium indication per year
| Collection value | Type | Premium/year |
|---|---|---|
| €25,000 | Paintings | €40 - €125 |
| €50,000 | Mixed collection | €75 - €250 |
| €100,000 | Art & antiques | €150 - €500 |
| €150,000+ | Custom collection | On request |
📋 Valuation: Essential for Art Insurance
A valuation report by a certified appraiser (TMV, RICS) explains the replacement value of your art. This is essential for correct compensation in the event of damage.
- → Validity usually 3 years (art market fluctuates)
- → Costs approximately €115/hour for recording and editing
- → Revaluation in case of increase in value of artist or turnover
- → Auction research for realistic appreciation
- → Photo documentation including condition report
💡 Tips for Art Collectors
- ✓ Have it appraised – a current valuation report prevents discussion in the event of damage
- ✓ Document everything – store purchase notes, certificates and photos
- ✓ Report new purchases – within 60 days for full coverage
- ✓ Check climate – humidity and temperature affect art
- ✓ Professional transport – use specialized art transporters
- ✓ Security – good locks and alarm can result in a premium discount
