2026 Calculator
Art Insurance Calculator
Estimate your fine art coverage costs
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does art insurance cost in 2026?
Art insurance typically costs 0.5-1.5% of the collection's appraised value per year. A $50,000 collection costs $250-$750/year to insure. Specialized insurers like Chubb or AXA Art offer competitive rates for fine art.
What does fine art insurance cover?
Fine art insurance covers theft, accidental damage, fire, water damage, and transit (during moves or exhibitions). Unlike homeowners policies with low limits, art floaters provide full agreed-value coverage with no deductible.
Do I need an appraisal for art insurance?
Yes, insurers require professional appraisals for pieces valued over $5,000-$10,000. Appraisals should be updated every 3-5 years to reflect current market values. Some insurers accept auction records or dealer invoices for recent purchases.