Antiques insurance is a type of coverage deals with a wide range of items that are valuable, collectible, and sometimes priceless. Antique items are valued differently and it sometimes takes a professional to sort out exactly what kind of insurance coverage your collections require.
That’s where we come into the picture. With more than 50 years of service to the wide range of insurance needs New Jersey residents have under our belt, we offer free quotes online so you can have a good idea of the coverage type and amount you need in order to protect your prized possessions.
Why is Antiques Insurance Necessary?
Many people find out too late that the standard homeowner’s insurance policy does not adequately cover valuable items like antiques, collections, collectibles, and other valuable items. Whether it’s expensive rugs, family heirlooms, stamp collections, works of art, or antique furniture, it’s important to have the right kind of coverage for your pieces or you could find the insured value of these items is much lower than their actual worth.
Traditional homeowner’s insurance coverage for contents of your home offers protection up to specific cash values. However, most items face depreciation based on their age and condition. Many antiques and collectibles are older items – even those in mint condition may show signs of age or wear, yet they may appreciate in value over time.
These are just a few of the items you may wish to secure additional insurance coverage for in the form of insurance for your antiques.
- Old cameras
- Jewelry, cameos, and charms
- Tiffany-style, Victorian, table, and floor lamps
- Vintage signage, sunglasses, and clothing
- Beer steins
- Baseball cards
- Trading cars
- Wood furniture
- Rocking chairs
- Canopy beds
Just about anything can become a valuable collection over time and with adequate care and attention.
How to Properly Insure Your Collections
Before you get insurance for your collection it’s important to do four things. First, have your antiques appraised. Second, inventory and document your entire collection (complete with appraisal values and photographs of the items in your collection.)
Third, consult with an independent insurance agent. You want to work with an independent agent because he or she will have the widest range of coverage options by working with several insurance carriers. You’ll have to decide whether you prefer a policy that will attempt to restore the item or simply pay for replacements with modern reproductions. You’ll also need to find out what perils the policy provides protection from. If it doesn’t cover fire, water damage, accidental breakage, and theft, you might want to explore rider policies that offer these types of coverage.
Lastly, don’t forget to actively work to protect your own investment with proper security measures at home and packaging while traveling. Prevention, after all, is the best cure for almost anything.
Why Trust Us with Your Precious Antiques?
Antiques insurance is not something you want to entrust to cheap fly by night insurance agencies that promise inexpensive rates but deliver sketchy service. We offer professional agents who focus on personal service at all times. We are your insurance consultant; we work for you.
CONTACT US WITH YOUR ANTIQUES INSURANCE NEEDS TODAY AND ASK ABOUT OUR PACKAGE POLICY DISCOUNTS. YOU’RE SURE TO BE THRILLED WITH HOW AFFORDABLE OUR VALUABLES COVERAGE IS!