- Individuals & Families
- Businesses
- Partners & Agents
Your home is more than bricks and mortar. It’s full of memories and you're reflected in every detail. So if you experience a claim, you’ll most likely want your life back, and to rebuild without hassles, headaches, or delay.
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Insurance for Your Wine Collection
Key Coverage Highlights
- Individualised coverage
We offer flexible, worldwide coverage options to meet your unique needs and cover most wine losses with no deductible.
- Automatic coverage for new items
If you already have itemised wine on your policy, your newly acquired items are covered for up to 90 days (25% of the itemised coverage).
- Agreed value feature
We’ll work with you upfront to determine the value of your wine collection. Then, for covered total losses, we’ll make sure you get 100% of the agreed value as a cash settlement.
- Blanket or Scheduled Items
Protect an entire collection of wine with blanket coverage, itemise your individual bottles, or do both. It’s up to you.
- Coverage for Mechanical Breakdown
We’ll provide coverage for wine that have been damaged due to loss of utility service or mechanical breakdown of climate control equipment.
Claims Examples
#1
Our Insured’s wine chiller malfunctioned due to prolonged usage and started emitting warm air.
As a result, 98 bottles of wine and champagne that were stored inside deteriorated.
Chubb paid S$8,000 for the damage.
#2
Our Insured travelled overseas for 3 weeks. Upon his return, he realised that the thermometer on his wine fridge had stopped working and the switch was turned off.
As a result, multiple bottles of wine were damaged due to prolonged exposure to elevated storage temperatures.
Chubb paid S$4,883 for the damage.
Frequently Asked Questions
Yes, wine coverage is included in Chubb's Masterpiece policy and cannot be purchased as a standalone product. While some homeowners’ insurance policies may provide limited coverage for wine collections, it is often insufficient for valuable or extensive collections. Chubb offers comprehensive coverage specifically designed for the unique needs of wine collectors, enthusiasts and connoisseurs. This includes, but is not limited to, accidental loss or damage, fire and theft.
You should consider purchasing a home insurance policy that includes wine coverage if you own a collection of wine that would be costly to replace, or if you're in possession of rare or valuable bottles. Wine insurance can provide an additional layer of protection for your investment against unforeseen risks.
Determining your insurance requirements involves evaluating the value of your collection, the risks it's exposed to, and what you would be willing and able to pay out-of-pocket in the event of a loss. An insurance agent or broker can assist you in this process to ensure you have the right level of coverage for your needs.
Properly caring for your wine collection involves maintaining optimal storage conditions, such as temperature and humidity control, keeping bottles stored horizontally, and avoiding exposure to light and vibration. Additionally, proper inventory management and regular valuation are key to ensure your collection is adequately insured by your policy.
Other coverages included under Masterpiece:
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