Some like it contemporary while others might be more convinced by an Old Master, but whatever your taste in art, what stays the same is the need to ensure your home insurance will cover you in the event that any of your art is stolen or damaged. However, your art is not often covered by standard home insurance. Many people believe they have to either take out separate art insurance or lock their art in a safe to get the peace of mind they need.
As specialists in insuring homes like yours, we understand that you'd prefer to display your art where you can see it and enjoy it, rather than hide it away. That's why Hiscox Home Insurance includes £10,000 of cover for your art and collections as standard.
Why you might need art insurance
- Whether it's paintings, sculptures, or photographic prints, your art collection may be worth more than you think and may not be covered by your existing home insurance
- You might have recently inherited or been gifted some valuable art pieces
- You would prefer to display your art in your home to enjoy it rather than hide it away in a safe
How Hiscox Home Insurance cover protects your art
With a house insurance policy, you don’t have to take out separate fine art insurance as we provide cover for your art and collections as standard. We pay out the market value for each piece of art that is lost, stolen or accidentally damaged (providing you haven't asked us to remove accidental damage cover).
- £10,000 of cover as standard for all your art and collections
If your collection is worth more than this, simply tell us how much total cover you need
- No need to list all your pieces
Only tell us about items, pairs or sets worth more than £15,000, so you don’t have to spend time listing all your art
- Newly-acquired art is covered automatically if your total value stays under £10,000
If your new total value exceeds this amount, call us and we'll provide the extra cover you need
- We pay for loss in value
If we repair a damaged item of fine art or a collectable, we'll pay for any loss in its market value
- Many types of items of art and collectables are covered
Drawings, etchings, prints and photographs, statues and sculptures, antique furniture, clocks and barometers, books and stamps, dolls and toys, medals and militaria and much more
- Exceptional claims service
91.26% of customers surveyed who have made a claim would recommend us
(Insight Now, 183 surveys, Apr-Jun 2016)
If the unfortunate happens and you suffer a loss, simply call our award-winning claims team. They're highly experienced in dealing with art-related claims and will quickly provide you with the expertise you need, such as putting you in touch with a professional restorer. We'll also assign a dedicated Claims Underwriter to your case who will handle your claim from start to finish.
To find out more about Hiscox Home Insurance, read our policy documents >
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