Coverage Guide
Art Insurance Guide
Art types and coverage options
Art Type Rate Factors
| Type | Examples | Rate Factor |
|---|---|---|
| Paintings | Oil, acrylic, watercolor | ×1 |
| Sculptures | Bronze, marble, mixed media | ×1.2 |
| Fine Photography | Limited editions | ×0.9 |
| Prints & Lithographs | Signed limited editions | ×0.8 |
| Antiques | Pre-1900 works | ×1.3 |
Coverage Options
Agreed Value
Fixed payout amount
Replacement Cost
Current market value
Actual Cash Value
Depreciated value