As art enthusiasts, we understand the importance of protecting your favorite pieces. Every Moberly, MO homeowner wants to ensure that their belongings are covered in the event of an unexpected loss or damage. At Swartz Premier Group Insurance, we are frequently asked whether or not artwork falls under the category of a covered belonging in a standard home insurance policy.
What Does Home Insurance Cover?
Before determining whether your artwork will be covered under your policy, it’s essential to understand what a standard homeowners’ insurance policy generally covers. Home insurance usually includes coverage for the structure of your home, personal property, personal liability, and additional living expenses.
Does It Cover Artwork?
Usually, standard home insurance policies cover artwork up to a specific limit. However, it’s essential to understand that these limits can vary depending on the value of your artwork, so it’s always best to speak with your insurance agent about your specific policy.
What About High-Value Artwork?
If you have a collection of high-value artwork that exceeds the limit of your policy, it may be necessary to purchase additional coverage to ensure that your artwork is fully protected. Swartz Premier Group Insurance offers different policies specifically designed to protect high-value artwork.
How Can We Help?
Our expert agents at Swartz Premier Group Insurance in Moberly, MO can help you determine the value of your artwork and adjust your policy accordingly, so you can rest assured that your most prized possessions are adequately protected.
Standard homeowners’ insurance policies typically cover artwork up to a specific limit. However, reviewing your policy and speaking with your insurance agent is essential to protecting your artwork. Contact Swartz Premier Group Insurance for assistance in determining the value of your artwork and adjusting your policy accordingly.
