Antique Insurance Considerations

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Antique Insurance Considerations

Without any doubt, you’ve heard the horror stories about packages that get damage or even disappear off the face of the earth while shipping. Then there are the endless tales of broken valuable vases or china, with tell-tale footprints and massive dents on the outer cartons.

There’s no better argument in favor of buying shipping insurance than stories such as these. You have to know that shipping insurance can add 3 % or more of the item’s value to your costs. So is it really worth it?

Actually, millions of packages get shipped daily, but few really get lost. And proper packaging can prevent most damage. Nevertheless, loss and damage do occur, and when they do, shipping insurance can help you recover the cost of the item.

So, if you are an owner of items that would catch the eye of appraisers of antiques, ensure you’ve got the proper insurance to protect your valuable items.

Insurance for especially valuable items, such as musical instruments, furs, jewelry, antiques, collectibles, wine and fine art, is not simply a good idea, in actual fact, it is a necessity.

Always include insurance. Since the item is your property while it’s in transit, this is really the only way to fully protect your interest until the freight safely arrives to the destination.

If you add insurance, you can group the expense with shipping and handling fees, or list it out separately. Either way, it’s safest to state clearly that shipping insurance is required. Full disclosure is always the best policy, and the fact that you care enough to insure every package will be shipped safely.

The majority of experts recommend you insure an item for its full fair market value. If something gets damaged or lost while shipping, the carrier will usually reimburse for actual replacement cost, so you don’t want to under, or over, insure.

Know what you're buying
If you have a collection of fine items of less-substantial value, it might make sense to purchase blanket coverage for them. Types of blanket coverage vary, but as a rule they include jewelry, fine art, silverware, cameras, musical instruments, furs, wine, stamps, coins and collectibles. Provided that no one piece of your collection is worth more than $2,500, blanket coverage may be the way to go.

If you want to insure something valued at more than $50,000, you will have to hire an appraiser to document its value.