Your Wine Collection Optimally Protected
Your wine collection is more than a hobby – it is a passion, an investment and often a life's work. By Grand Cru Bordeaux to Domaine de la Romanée-Conti, by vintage Champagne to Super Tuscans: your wines deserve the best protection.
But is your collection properly insured? A standard home contents insurance policy covers collections up to €12,000-€15,000 and offers no coverage for climate damage or power outages. These are precisely the risks to which wine collectors are most vulnerable.
At Finass Verzekert we find the perfect wine insurance: including climate damage, power outage cover and value increase. Recognized by Register Wine Appraisers.
Which Wines Can You Insure?
All types of wines and champagnes can be insured:
Red wine
Bordeaux, Burgundy, Rhône
Champagne
Vintage, Prestige Cuvée
White wine
Burgundy, Alsace, Loire
Dessert wine
Sauternes, Port, Tokaji
Grand Cru
Premier & Grand Cru Classé
Italian
Barolo, Brunello, Super Tuscan
Spanish
Rioja, Ribera del Duero
New World
Napa Valley, Australia
Popular Châteaux & Domains
Home contents insurance vs. Wine insurance
❌ Standard Home Contents Insurance
- ✕ Collections max. €12,000-€15,000
- ✕ No climate damage coverage
- ✕ No power outage coverage
- ✕ No increase in value assured
- ✕ Current value benefit
✓ Wine insurance
- ✓ Higher limits (customized)
- ✓ Climate damage fully covered
- ✓ Power outages wine cooling covered
- ✓ Increase in value also insured
- ✓ Market value benefit
What is your wine insured against?
Fire & Water
Fire damage, water damage
Theft & Burglary
Wine cellar burglary
Climate damage
Temperature fluctuations
Power outage
Wine cooling failure
Break & Fall
Breaking bottles
Value increase
Market value insured
🌡️ Ideal Storage Conditions
Insurers can impose requirements on climate control:
How much does wine insurance cost?
The premium is approx 0.4% to 0.8% of the insured value per year.
💰 Premium indication per year
| Collection value | Type | Premium/year |
|---|---|---|
| €25,000 | Basic collection | €100 - €200 |
| €50,000 | Serious collector | €200 - €400 |
| €100,000 | Premium collection | €400 - €800 |
| €250,000+ | Grand Cru collection | On request |
📅 Top years for Investors & Collectors
📈 Wine as an Investment
Grand Cru wines can increase significantly in value. The Liv-Ex 100 Fine Wine Index shows the return.
📋 Valuation by Registered Wine Appraiser
For valuable collections (above €10,000) an appraisal is required Registered Wine Appraiser highly recommended.
- → Required diploma: WSET level-4 or Registered Vinologist (SDEN level-4)
- → Valuation is binding: according to Art. 7:960 BW
- → Replacement value: current market value, not purchase price
- → Reappraisal: every 3-5 years for appreciation
💡 Tips for Wine Collectors
- ✓ Save purchase invoices – essential for valuation and authenticity
- ✓ Keep track of inventory – château, vintage, number of bottles, location
- ✓ Take photos – document filling level, label, capsule
- ✓ Save OWC – original wooden boxes increase the value
- ✓ Invest in climate control – prevents damage and is an insurance requirement
- ✓ Have it revalued regularly – especially when there is an increase in value (Grand Cru)
