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Collectible design has become one of the most dynamic segments of the luxury asset market. From iconic Tiffany Studios lamps to sculptural furniture by François-Xavier Lalanne and Claude Lalanne, collectors are increasingly seeking pieces that bring both beauty and function into the home. Recent auction results have reflected growing demand, with important works in lighting, furniture, and decorative arts commanding strong prices and attracting global attention.
Unlike traditional fine art displayed on a wall or pedestal, collectible design is often meant to be lived with. A rare chair may be used in a sitting room. A historic lamp may still illuminate a library. A bronze table may serve as the centrepiece of a dining room. These objects blur the line between art and everyday life, which is precisely what makes them so compelling.
It is also what makes them uniquely vulnerable.
When beautiful objects are part of daily life
Design pieces often face risks that many collectors do not immediately consider. Because they are integrated into living spaces, they may be moved, touched, used, or exposed to routine household activity far more frequently than traditional artwork.
Common risks can include:
- Accidental scratches, chips, or staining from spills
- Damage during entertaining or family gatherings
- Improper handling by movers, cleaners, or contractors
- Exposure to direct sunlight, humidity, or fluctuating temperatures
- Wear to upholstery, finishes, wiring, or delicate components
- Breakage during renovation or relocation
An antique lamp, for example, may contain original electrical elements that require careful inspection and maintenance. A rare table or seating piece may be structurally sound but still susceptible to surface damage from regular use. Even seemingly durable bronze works can be affected by improper cleaning products or environmental conditions.
Rising values can create hidden gaps
As demand for collectible design grows, many owners may be surprised to learn how much values have changed over time. Pieces acquired years ago—whether inherited, purchased through galleries, or discovered at auction—may now carry significantly higher replacement values than expected.
That can create an important issue: a piece being underinsured.
Without updated appraisals and appropriate coverage, owners may find that a valued object is not fully protected in the event of loss or damage. This is especially relevant for categories such as historic lighting, Art Nouveau works, Post-War French design, and one-of-a-kind decorative objects that have seen renewed collector interest.
How to help protect collectible design at home
Collectors can take several practical steps to help safeguard important pieces while continuing to enjoy them as part of daily life.
1. Review values regularly
Market demand can shift quickly. Periodic appraisals help ensure coverage reflects current values.
2. Consider placement carefully
Avoid positioning valuable objects in high-traffic areas, near open windows, direct sunlight, radiators, or areas prone to moisture.
3. Use professional installation and handling
Large mirrors, chandeliers, lighting, and sculptural furniture often require specialized transport and installation.
4. Understand material needs
Wood, bronze, glass, textiles, lacquer, and stone each require different care. Proper cleaning methods matter.
5. Prepare for renovations or moves
Construction dust, vibration, and movement are common sources of accidental damage. Temporary relocation or professional packing may be advisable.
6. Review coverage for specialized collections
Standard homeowners’ coverage may not always reflect the unique nature or value of collectible design. Specialized protection can help address those needs.
Enjoying exceptional design with confidence
The appeal of collectible design lies in its ability to transform the experience of living at home. These are objects created not only to be admired, but to be used, appreciated, and woven into everyday life.
Whether it is a Tiffany lamp in a study, a sculptural bench in an entry hall, or a statement table anchoring a gathering space, exceptional design deserves protection tailored to how it is lived with today.
With thoughtful care and the right coverage strategy, collectors can enjoy functional art with greater confidence—for years to come.
Insights and expertise
This document is advisory in nature and is offered as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. It is an overview only, and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice.
Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. Insurance provided by Chubb Insurance Company of Canada or Chubb Life Insurance Company of Canada (collectively, “Chubb Canada”). All products may not be available in all provinces or territories. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued.