Collectibles & Valuables Insurance | Nation One Insurance

Insurance for collections worth protecting

Art, wine, watches, memorabilia, and other collections often exceed what a standard homeowners policy will pay out. A dedicated valuables policy covers your collection at its real value. Miami's humidity and hurricane season add practical risk to physical collections too, from moisture damage to a total loss if a home loses power and climate control for an extended period.

What it may cover

Damage, loss, or theft of scheduled collectible items
Coverage while items are in transit or on loan
Breakage coverage for fragile items like art or wine
Full appraised or agreed value payout
Worldwide coverage for items taken while traveling
Items held in off-site storage or a safe deposit box

Who it's for

Art and antique collectors
Wine collectors with a temperature-controlled cellar
Sports memorabilia and collectible owners
Collectors relocating to Florida who need to re-insure an existing collection
Executors or heirs insuring an inherited collection

Why it matters

Standard homeowners policies sharply limit coverage for collectibles and often exclude breakage entirely. A scheduled policy protects the true value of a collection built over time. Humidity, storm surge, and extended power outages after a hurricane are practical risks for wine cellars and climate-sensitive pieces that a general homeowners policy isn't built to address.

Common coverage options

Scheduled collection policy

Each item or the collection as a whole is appraised and insured at agreed value.

Breakage and accidental damage

Covers accidental damage often excluded from standard policies.

Named-peril vs. all-risk scheduling

All-risk coverage protects against any cause of loss not specifically excluded, while named-peril policies list only the covered risks.

What affects the price

01Total appraised value of the collection
02Storage conditions and security measures
03Whether items travel or are loaned out
04Fragility and replacement difficulty of individual pieces

Questions to ask before buying

Does this cover accidental breakage, not just theft?

How often does the collection need to be reappraised?

Is coverage based on agreed value or market value at time of loss?

Is humidity or power-outage-related damage covered?

Ready to explore your options?

Our licensed agents in Miami can help you compare coverage and find the right policy. No pressure, just clear answers.

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Frequently asked questions

Coverage details depend on the carrier, selected policy, applicable state laws, underwriting criteria, and specific exclusions. This content is for informational purposes only and does not constitute legal or financial advice.