What's the difference between blanket and scheduled coverage?

Blanket coverage sets one total limit for your entire collection, which suits larger collections with many lower-value pieces. Scheduled coverage itemizes each piece individually, which is better suited to highly valuable or unique works. Many collectors use both, depending on the piece.

How often should I get my collection reappraised?

Contemporary work should be reappraised annually, since values can shift quickly. As a general rule, nothing in a serious collection should go more than three to five years without a fresh appraisal — especially after a significant market movement that could leave your coverage behind.

Am I covered if my art is damaged while on loan or in transit?

Transit is one of the most common causes of loss to fine art, even when a piece is packed correctly. Before any loan or shipment, your policy and the receiving institution's coverage should both be reviewed, and only experienced art shippers should be used to move valuable work.

Why isn't my collection covered under my homeowners policy?

Standard homeowners policies impose strict sub-limits on categories like fine art, jewelry and collectibles — often just a few thousand dollars, and only after your deductible. A dedicated fine art policy removes those limits and values your collection on its own terms.

What happens if my art increases in value after I insure it?

A well-structured policy is designed to respond to appreciation, paying the greater of the scheduled value or the market value at the time of loss. This means a policy built for growth won't leave you underinsured if a piece — or an artist's market — takes off unexpectedly.

Fine Art & Collectibles

Is your collection protected for what it's worth today?

Art values shift with the market — sometimes sharply, sometimes overnight — and most policies are based on what a piece was worth at its last appraisal, not what it's worth now. HUB Private Client's Fine Art specialists keep your coverage current as values shift, connect you with trusted restorers, review loan agreements, and build a risk plan suited to how and where you live.

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Support at Every Stage

Support that goes beyond the policy itself.

We don't place standard policies — we tailor coverage to the specific nature, value, and risk profile of your collection. As individual pieces appreciate, your coverage is structured to respond accordingly, paying the greater of the scheduled value or fair market value at the time of loss.

Beyond the policy itself, our team provides comprehensive advisory support throughout the lifecycle of your collection: reviewing loan agreements before works leave your premises, connecting you with vetted conservation and restoration specialists, and offering dedicated claims advocacy when you need it most.