Valuables insurance (recommended)
All-risk coverage for works of art and collections against theft, damage and loss, both in the home and outside the home, depending on the policy.
Insuring art
Whether it concerns a single painting, a family heirloom, modern art or a complete collection: with a good one art insurance through valuables insurance protect your art from theft, damage and loss. For private individuals, collectors and companies.
Quick start
- Insurance based on purchase invoice or valuation report
- Insured at home, on the road and in storage
- Quote and advice within 1 working day
Why insure art separately?
Home contents insurance is often limited
Standard home contents policies have maximums for valuables and offer limited coverage for art, especially outside the home or during transport.
Art insurance via valuables policy
Your art is insured as a separate object or collection, with coverage based on actual value and room for customization.
Bescherming bij schade & diefstal
Coverage for fire, water damage, vandalism, fall damage and theft/burglary, according to the terms and conditions of the valuables insurance.
What coverage do you choose for your art?
Contents + valuables cover
For smaller works of art, a more extensive contents with valuables cover may sometimes suffice, but with more limited maximums.
Private art collection
Multiple works of art in one policy, each with its own value. Suitable for private collectors and families.
Business art insurance
For companies, offices, galleries and foundations with art in the lobby, meeting rooms or collection.
Taxatie & waardebehoud
Insuring on the basis of an appraisal report or purchase price; periodic reappraisal prevents underinsurance when value increases.
What determines the premium for art insurance?
Insured value
The premium is a percentage of the insured value. The higher the value of the work or collection, the higher the premium.
Soort kunst & materiaal
Paintings, drawings, sculptures, photography or design objects each have their own risk profile.
Locatie & beveiliging
Home, office, gallery or storage location; alarm system, safe and other measures influence the premium.
Gebruik & exposities
Is the art loaned to museums or often transported for exhibitions? Additional coverage for transport and temporary locations is then required.
Eigen risico & claims
The amount of the deductible and claims history play a role in the final premium.
Would you like to know what insuring art costs in your situation? Request a tailor-made proposal.
Which art can you insure?
Schilderijen & tekeningen
Oil paint, watercolors, graphics, mixed media and other painting and drawing arts, classical and modern.
Sculpturen & beelden
Beelden in brons, steen, glas of andere materialen — binnen en buiten (waar meeverzekerd) .
Fotografie & design
Limited edition photography, designer furniture and other modern art forms.
Kunst in opslag & tijdens transport
Storage at home or externally
Art in the home, in an external storage or specialized depot location can be insured, provided it is reported and security is in order.
Transport to gallery/museum
Coverage possible during transport by recognized carriers, during packing and unpacking and during temporary exhibitions.
Preventie & Conditions
Packaging, climate control and handling according to guidelines are important for damage prevention and acceptance.
Frequently asked questions about art insurance
Is my art included in the home contents insurance?
Partly. There is often a maximum for valuables and coverage is limited to the home. Separate art or valuables insurance is usually required for valuable art or collections.
Do I need a valuation report?
For more expensive works or special art, a recent appraisal report is usually requested. For smaller values, a purchase invoice may sometimes suffice.
Is my art also insured during transport or exhibitions?
This is possible, provided it has been agreed in advance and is insured. Always report loans, exhibitions and transports so that coverage is properly arranged.
Can I insure both private and business art?
Yes. Art in private homes, offices, practices, galleries or at foundations can be insured, with appropriate conditions per situation.
What does Finass Verzekert need for a quote?
Onder andere foto's, omschrijving van de werken, kunstenaar, jaar, aankoopprijs of taxatie, locatie, beveiligingsmaatregelen en eventuele uitleen-/expositieplannen .
What happens in the event of damage?
You report the damage as quickly as possible. In consultation with the insurer, repair by a specialist or reimbursement according to the policy (for example based on appraised value) will be considered.
Insure art? Request a customized quote
Finass Verzekert compares art and valuables insurance from multiple providers and searches for the best combination of coverage and premium for your art collection.
