Fine Art at Home: How It Is Usually Insured
Quick answer
Fine art kept at home is usually insured either within a high-value home contents policy or under a dedicated fine art policy. Important works are typically listed individually with a recent valuation, and some insurers offer agreed value cover, where the scheduled amount is what is paid in the event of a total loss.
General information only. High Value Home Quote is an FCA-registered insurance introducer (lead generation), not a broker or insurer. We do not give advice or prices. An FCA-regulated specialist broker can advise on your own circumstances.
Ways Art Is Commonly Covered
- Within home contents — suitable for smaller collections, subject to limits
- Specified items — each work listed with its own sum insured
- Dedicated fine art policy — for larger or more valuable collections
Valuations And Records
Keep photographs, provenance, invoices and condition reports. Insurers usually want professional valuations for significant works.
Risks To Think About
Accidental damage, theft, fire, water, light and humidity, restoration and transit all affect art. Read our broader valuables guide.
Frequently asked questions
How often should art be revalued?
Markets move, so insurers often recommend periodic revaluation. A broker or insurer can tell you what they expect.
Is art covered when lent to a gallery or in transit?
Not automatically. Transit, exhibition and storage may need to be arranged specifically.
Do you value artwork?
No. We do not value items or give advice. We introduce you to brokers who can explain valuation requirements.
Related guides
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