ARTIST & PRINTMAKER

Are you an artist with a portfolio of water colours, drawings or oil / acrylic paintings that you would like to have reproduced as giclee prints?

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Protecting your art – do you need to look at your home insurance?

You will of course wish to ensure that you take the necessary steps to protect your new print, etching or painting; and this means some of the obvious measures like limiting exposure to direct sunlight, and keeping your pieces out of the way of pets and small children.  However careful you are, though, there are some genuine accidents - and unpleasant instances like a break-in - that are always going to be out of your control.  If you wish to fully protect your art collection and other valuables, picking the right home insurance policy can be key.

The term home insurance covers two separate types of insurance: buildings insurance, and contents insurance.  It is obviously contents insurance that is relevant here; although it is worth noting that many insurers such as Legal and General offer substantial discounts on home insurance when you buy both types of policy together.

When it comes to protecting your precious art work, you must bite the bullet and fully investigate the nature of the cover on offer.  Wading through the terms and conditions of a home insurance policy can be a bit of an onerous chore - so you may find it easier to speed up the process by consulting a customer services representative of the insurer over the phone to answer your questions.  However you get it, the information you need is whether there are any exclusions or limitations on the contents covered, and the exact nature of the conditions.
Commonly, there will be an upper limit on the value of a single item that can be covered under the blanket contents insurance policy.  You may find that it works out cheaper to take out separate insurance on a particularly valuable piece than to try and find a general home insurance policy that overall covers more expensive single item values.

The way that the items will be valued is also a moot point.  Many insurance policies provide for the replacement value of a stolen or damaged good, which works well in most cases as inflation over time increases the replacement cost: ‘new for old’ - and it is easy to find a similar new toaster to your old model, for example.  When it comes to rare or unique art, however, you may well need to seek an independent evaluation – ensuring of course that this will be accepted by the insurer.  Again, when it comes to high value possessions with an indeterminate cost – like certain works of art – you may find the best route to take is term of insurance protection is a specialist policy, rather than generic home insurance.   

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Protecting your art - do you need to look at your home insurance?

Rye Giclee prints

Hastings Giclee prints

Rye Giclee prints

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