Fine Arts Cover

Whether antique furniture, old master paintings or contemporary art, we know your pieces are one-of-a-kind.

As one of the world's largest insurers of art and antiques, Chubb offers unparalleled service and expertise, along with some of the broadest cover available under the Valuable Articles Cover in our Home & Contents policies.

Fine Arts Cover Highlights

Individualised coverage

We offer flexible, worldwide coverage options to meet your unique needs and cover most causes of loss with no deductible. Cover an entire collection with blanket coverage, itemise your individual pieces, or do both. It’s up to you.

Optional cash settlement*

In the unfortunate event a valuable item is irreparably damaged or lost, you can choose to take cash up to the sum insured rather than replacing if it suits you better.

Automatic coverage for new items*

If you already have itemised fine arts, newly acquired items are covered for up to 90 days for 25% of the itemised coverage.

Paying market value*

In certain cases, we’ll pay more than the amount itemised on your policy to account for increases in market value.

*These benefits are not included in all Chubb policies. Speak to your insurance broker to find out which product is right for you.

Who is this insurance designed for?

Our specialised fine arts coverage is perfect for individuals who appreciate art, collect valuable pieces, and wish to cover these priceless assets within their homes. This insurance is intricately woven into our Home & Contents policies.

Homeowners with art collections

Art enthusiasts

Homeowners with art collections

Preserve the value of your personal art collection with comprehensive coverage in the comfort of your home.

What it covers

Chubb Insurance offers comprehensive coverage for a wide range of risks and perils that may affect art collections. Our coverage includes:

Loss or damage
Our insurance covers against accidental loss or damage to your art collection, ensuring that you are financially covered in the event of unexpected incidents.

Theft and burglary
Chubb Home & Contents provides coverage for theft or burglary, ensuring that you have financial assistance in the unfortunate event of such incidents affecting your valuable items.

Replacement cost
In the event of loss or damage, our coverage takes into consideration the replacement cost of your fine arts, providing financial reimbursement to restore your collection.

Additional coverage options
Chubb offers optional coverage enhancements, allowing you to customise your policy to fit your unique needs.

Please note that Chubb fine arts coverage has certain exclusions. For a comprehensive understanding of coverage and exclusions, please refer to the policy wordings and product disclosure statements. Contact your insurance broker to explore the coverage options and ensure a comprehensive insurance of your fine arts collection.

Some of the primary exclusions include loss to fine arts caused by:

An intentional act by someone covered under the policy, such as stealing, theft, or other.
Certain events including acts of war, nuclear and chemical hazards.
Wear and tear, gradual deterioration, rust, and corrosion.

Frequently Asked Questions

Coverage for your artwork is included in any of Chubb’s Home & Contents policies, but the cost and amount of coverage is dependant on various factors including the value of the artwork, its condition, location, and specific coverage needs. Contact an insurance broker for a personalised quote.

Yes, Chubb can provide coverage for your personal artwork, whether you're an artist, collector, or enthusiast as part of any Home & Contents insurance policy. Our fine arts cover is tailored to meet your unique needs.

It is recommended to insure artwork as soon as you acquire or possess valuable pieces. Accidents, theft, and damage can occur at any time, so it's recommended to have coverage in place.

While insurance provides financial cover, you can also take steps to physically protect your artwork. This includes proper storage, handling, and displaying techniques, as well as using security measures like alarms and surveillance.

Chubb covers a wide range of art, including paintings, sculptures, drawings, photographs, ceramics, textiles, and more. Contact an insurance broker to discuss your specific art collection.

Chubb’s Home and Contents policies contain Valuable Articles Cover - this section of the policy is specifically tailored to cover your specified valuables, including fine arts. Not all home and contents insurance policies contain valuable articles coverage. Contact an insurance broker to find out more.

Chubb's Home and Contents policies can provide coverage for the loss of value or appreciation of damaged or stolen artwork, subject to policy terms and conditions.

To make a claim, promprty contact your insurance broker with your policy details and incident report.

Chubb may require an appraisal for high value artworks or collections to establish their current market value. This helps ensure accurate coverage and claims settlement.

Chubb offers a range of additional products and services for your personal assets that can provide you with an added level of comfort. In addition to our comprehensive home and contents insurance, we also offer a variety of alternative insurance solutions to suit your specific needs.

Explore our range of company insurance products and services.