As an antiques and collectibles appraiser I see many antique insurance claims. The most common mistake I see from collectors is that they assume their home owners insurance covers their antiques and/or collectibles. In this article I have talked about how to protect yourself from this common mistake.
Most insurance companies in the United States will cover up to $2,500 of arts, collectibles and antiques. If you have an art, antique or collectible collection, this amount will cover about 1% of your collection. Insurance companies categorized artwork, collectibles and antiques together.