A collection insured at the value you agree on.
Scheduled or blanket coverage for fine art, wine, rare books, silver, memorabilia and other collections, valued up front, at home and in transit.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Agreed value, not a debate after a loss
Homeowners policies limit coverage for collectibles and may pay actual cash value after a loss. A collections policy lists items at an agreed value, so the amount paid for a covered total loss is settled in advance.
Collections can be scheduled item by item or covered on a blanket basis with a per-item limit, and can be written for collections owned by a trust or company.
- Agreed valueThe value set when the policy starts.
- Scheduled or blanketItem by item, or the whole collection.
- TransitItems shipped, loaned or worn.
- BreakageAccidental breakage of fragile pieces, where included.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Items: a list with descriptions and values.
- Appraisals: recent appraisals for high-value pieces.
- Storage: home, vault or storage facility.
- Security: alarm, safe and climate control.
- Movement: loans, shipping and travel.
- Ownership: personal, trust or company.
Fine art and collectibles insurance, answered
Doesn't my homeowners policy cover my art?
Up to its limits and terms. Collections policies cover items at agreed values, often for broader causes of loss.
Do I need appraisals?
For higher-value pieces, yes. Carriers often require them above a set value.
Is my collection covered when it's loaned to a museum?
It can be. Tell me about loans and shipping so they're included.
Can a trust own the policy?
Yes. Many carriers write collections owned by a trust or company.
Do you offer fine art and collectibles insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state or high-value home insurance by state.
Send the list. I'll shop it.
A list of items with approximate values is enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.