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We understand that your treasures reflect your personal journey. That’s why we look for ways to say yes and to do more—to help you protect your artwork, jewelry, wine, antiques, and other collectibles—so your special items will last a lifetime and beyond.

While typical homeowner’s policies are designed to protect your home and what’s inside, there is usually limited coverage for valuable possessions—such as jewelry, fine art, wine, and antiques—that may get lost, stolen, or damaged. With a Chubb Valuable Articles policy, you can protect the special possessions that matter to you. 

If you're adding to your collection, you're not alone.

According to a new Valuable Collections survey from Chubb, consumers are continuing to expand their personal valuable collections using online auctions and social media, often purchasing art sight unseen.

79%

of collectors have used an online auction platform to buy or sell valuables or collectibles.

74%

of art collectors have purchased or would consider purchasing art sight unseen.

72%

of art collectors, age 18 to 24, are likely (72%) to be influenced to purchase art through social media.

Source: Chubb Valuable Collections 2021 Survey

Chubb can help protect your valuables, down to the finest detail.

What’s important to you is important to us, so we go the extra mile to help you make sure your valuables stay safe.

 

Focus on keeping your valuables safe

We provide loss prevention and preservation advice for all of your collectibles for no additional cost.

 

Specialized referrals

Our Trusted Service Network is available to our clients for no additional cost, and all providers are carefully screened for quality and expertise.

 

Dedicated in-house collection specialists

Our in-house collection specialists are experts in their fields and can provide advice on how best to store, ship, and keep your items safe.

 

You’ll never hear “that’s good enough”

Chubb's coverage is comprehensive and includes breakage of fragile collections, lost possessions, and newly acquired treasures.

We won’t compromise when it comes to serving our clients.

97% of our clients surveyed would recommend Chubb to family and friends. Here's why:

 

Worldwide coverage

Our insurance protects your covered valuables at home and across the globe, and covers most causes of loss, with no deductible.

 

Individualized coverage

We offer flexible coverage options to meet your unique needs, whether you own one high-valued item or a number of collections.

 

Protecting your delicate items

We cover breakage of fragile possessions like fine china, crystal, and porcelain.

 

Automatic coverage for new items

If you already have itemized jewelry, fine art, wine, or other collectibles, newly acquired items are covered for up to 90 days (25% of the itemized coverage).*

 

Paying market value

If the market value of an item on your policy has increased before a loss so that it exceeds the amount of coverage for that item, we’ll pay the market value—up to 150% of the amount of your itemized coverage.

 

Premium discounts

We’ll offer a premium discount if you typically keep certain jewelry items in a bank vault.

 

Liberal appraisal requirements

We only require appraisals for individual jewelry pieces valued at $100,000 or more, fine art items valued at $250,000 or more, and wine valued at $50,000 or more. Otherwise, we just need a detailed description and estimated value.

 

Agreed value feature

We’ll work with you upfront to determine the value of your items. Then, for covered total losses, we’ll make sure you’ll get 100% of the agreed value as a cash settlement.

 

The choice is yours

You can decide whether to repair or replace an item, at the merchant of your choice, or keep the cash.

Source: Chubb internal survey of PRS clients.

*In a few states, wine acquisitions are capped at $50,000. Please check your policy for details.

A claim with Chubb means you’ll be treated with respect and efficiency.

Within just a week of damaging his watch, Scott had a check in hand for the full amount of the repairs.

We look for ways to do more in your community too.

At Chubb, we are always looking for ways to do more for our clients—and the communities they call home.

New York Academy of Art

To help support the next generation of artists, Chubb sponsors three post-graduate fellows every year at the New York Academy of Art.

The Winter Show

Chubb is proud to sponsor The Winter Show, a leading art, antiques, and design fair, featuring 70 of the world’s top experts in fine and decorative arts. Held at the historic Park Avenue Armory, The Winter Show is owned by and benefits New York’s East Side House Settlement.

Art Basel Miami

As an official partner of Art Basel Miami, a renowned art fair connecting art collectors, galleries, and artists, Chubb showcases the work of our New York Academy of Art post-graduate fellowship recipients.

Like other types of investments, items such as fine art, jewelry, antiques, wine, and other collectibles can fluctuate in value over time. If that happens, your insurance coverage might not fully protect you in the event of a loss. We suggest getting new appraisals for your valuables every 3-5 years and assessing your policy limits to make sure they reflect your actual risk.

 

We can connect you with appraisers and other resources to help ensure that your valuables are properly valued and protected.

Tips for getting a quality appraisal

  • Look for an appraiser from one of the three major appraisal societies—Appraisers Association of America (AAA), American Society of Appraisers (ASA), or International Society of Appraisers (ISA).

  • Seek an appraiser with the appropriate level of expertise to value your collection.  If you need a recommendation, Chubb clients can find appraisers and other service providers on the Trusted Service Network. Many of these vendors offer discounted services to Chubb clients. 

The Market

 

When you own or collect fine art, jewelry, wine, or other collectibles, it’s important to stay abreast of what’s happening in the market and how it might affect the price of your valuables. Since industry growth is an indication that your collectibles may be increasing in value, you may want to consider getting a reappraisal on a regular basis.

 

The charts below show fluctuations for the fine art, jewelry, and wine industries over time.

Fine art

The ArtNet Index for Fine Art shows the art market’s trajectory over time and art’s value as an investment. This chart compares it to other major market indices.

The ArtNet Index for Fine Art shows the art market's trajectory over time and art's value as an investment. This chart compares the ArtNet Index for Fine Art to the Case-Shiller US National Home Price Index, S&P 500, Gold Fixing Price and MSCI World Index.

Jewelry and watches

The Rolex Daytona market is an indicator of the Rolex Daytona's financial performance in the secondhand watch market. It is compromised of 28 popular Rolex Daytona models with high trade activity. The index shows the average market price of these watches over time.

The Rolex Daytona market is an indicator of the Rolex Daytona's financial performance in the second hand watch market. It is comprised of 28 popular Rolex Daytona models with high trade activity. The chart below shows the average market price of these watches over time.

Wine

The Liv-ex Fine Wine 100 Index tracks the price performance of the 100 most sought-after fine wines on the secondary market.

The Liv-ex Fine Wine 100 Index tracks the price performance of the 100 most sought-after wines on the secondary market. The chart below shows this index from 2011 through 2021.

Source: Liv-ex

Are your valuables insured to full value?

Make sure your valuables are insured to their full market value. Check out these articles and resources to learn more about getting appraisals and insurance coverage for your valuables.

Insure your valuables with confidence

Discover more about Chubb’s Masterpiece Valuables coverage and find out how to get started today.

business people working on laptop

4 ways to ensure a quality appraisal

Getting a good art appraiser is key to establishing the actual value of your pieces.

masterpiece brochure

Protect your wine, so you can appreciate it for years

Learn more about our Masterpiece Valuable Articles Insurance for your collectible wine.

With high levels of experience in the field, Chubb’s Fine Art & Collections Specialists are passionate about what they do and the clients they advise. This team of in-house specialists comes from diverse backgrounds in the global art market, including museums, art warehouses, auction houses, art galleries, art fairs, art research and market analytics, and art advisory firms. Many have advanced degrees, certificates, and relevant training from New York University’s Art Appraisal Program and the International Society of Appraisers, the Gemological Institute of America, and the Society of Wine Educators.

 

Together, they provide a full suite of consultative and collection management services for the display, preservation, transportation, storage, and value of fine art, jewelry, wine, and other collectibles. These services are available for no additional cost and include, but are not limited to:

 

  • Risk assessment for your entire collection
  • Valuation review for your collection
  • Consultation to prepare your collection for an emergency like a natural disaster
  • Consultation to get your collection ready before a home renovation 

Resources

We can help you stay informed and keep your valuable items protected, with these helpful articles.

Protecting Your Art and Other Valuables from Wildfire Damage

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4 Questions to Determine Where to Keep Your Valuables

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5 Steps to Preserve the Value of Inherited Artwork

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Got new jewelry? 3 things to do now

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How Art Collecting Is Changing and the Risks That Come with It

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Five Key Contacts for Collectors

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Moving Your Wine Collection to Your New Home

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5 Things That Can Go Wrong When Cellaring Wine and How to Prevent Them

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5 Tips for Buying Collectible Wine

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6 Questions to Ask Before You Start Collecting Wine

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5 Tips for Protecting Your Wine Collection

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5 Factors That Make Wine Valuable

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