Private Collections

Exclusive Protection for Your Most Cherished Possessions

At Skyscraper Insurance, we understand that collecting is more than just a hobby—it’s a lifelong passion, a carefully curated investment, and, in many cases, a legacy that you intend to preserve for generations. Whether you have an extensive collection of fine art, rare antiques, luxury jewelry, vintage wines, or classic automobiles, your valuables deserve a highly specialized insurance policy that provides comprehensive protection against unforeseen risks.

Our Private Collections Insurance is designed to provide tailored coverage that ensures your most treasured possessions are safeguarded against loss, theft, accidental damage, and other potential perils. With customized policies that cater to the unique needs of collectors, we offer solutions that go beyond standard homeowners’ insurance, which often lacks the depth of coverage required for high-value items.

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Why Standard Insurance Isn’t Enough for Private Collections

Traditional homeowners’ insurance often limits coverage for collectibles, failing to recognize their true value and the specialized risks they face. With Skyscraper Insurance’s Private Collections Insurance, you gain access to:

High-Value Coverage Limits – Whether your collection is worth $25,000, $5 million, or more, we offer policies tailored to your specific needs.

Protection Against Loss & Damage – Coverage for accidental breakage, fire, water damage, theft, and mysterious disappearance.

Worldwide Coverage – Your insured collection is protected wherever you go, whether at home, in transit, in a gallery, or in storage.

Scheduled & Blanket Coverage Options – Choose to individually schedule high-value pieces or insure entire categories under blanket coverage.

Agreed Value & Market Appreciation Protection – Policies designed to reflect the true market value of your collectibles, ensuring adequate compensation in case of loss.

No Deductible Options – In many cases, private collections policies can be structured to eliminate out-of-pocket costs in the event of a covered claim.

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What We Cover: A Comprehensive List of Private Collections

Fine Art Insurance

• Paintings, sculptures, and rare artworks from renowned artists
• Art collections displayed in private residences, museums, or on loan
• Protection against accidental damage, vandalism, and market depreciation

Jewelry & Watches Insurance

• Luxury watches, engagement rings, heirloom pieces, and investment-grade diamonds
• Coverage for loss, theft, damage, and disappearance, including stones falling out of settings
• Options for automatic coverage increases to match market appreciation

Classic & Collector Car Insurance

• Vintage cars, antique motorcycles, and specialty vehicles
• Agreed value coverage that reflects the true worth of your vehicle
• Coverage for vehicle transport, restoration, and exhibition

Wine & Spirits Insurance

• Protection for fine wines, rare spirits, and investment-grade bottles
• Coverage for accidental breakage, temperature fluctuations, and theft
• Options for collections stored in climate-controlled facilities or cellars

Rare Books & Historical Documents

• First edition books, manuscripts, and signed historical documents
• Protection against damage from fire, moisture, or mishandling
• Coverage for appraised market value and restoration costs

Musical Instruments Insurance

• Violins, pianos, guitars, and other rare or high-value instruments
• Worldwide protection, including while performing, in transit, or in storage
• Customizable options for professional musicians and collectors

Sports Memorabilia & Collectibles Insurance

• Autographed jerseys, vintage sports cards, Olympic medals, and game-used items
• Protection against loss, theft, damage, and value depreciation
• Coverage for items kept in private collections, auctions, or on display

Coins, Stamps, & Numismatic Collections

• Rare coins, currency notes, and stamp collections
• Agreed value policies to ensure full compensation in case of loss
• Specialized protection for fluctuations in market value

Antiques & Rare Furniture

• Handcrafted furniture, decorative arts, and museum-quality antiques
• Coverage for breakage, accidental damage, and environmental risks
• Options for appraisal-based or agreed value coverage

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How Private Collections Insurance Works

Scheduled vs. Blanket Coverage

• Scheduled Coverage: Each individual item is appraised and insured separately, ensuring its full market value is covered.
• Blanket Coverage: A group of similar items (e.g., all fine art pieces) is covered under a single limit, offering flexibility without needing itemized appraisals.

Agreed Value vs. Market Value Coverage

• Agreed Value Coverage: You and the insurer establish a pre-determined payout amount, ensuring you receive the full insured value in case of a loss.
• Market Value Coverage: Adjusts to reflect fluctuations in the value of collectibles, ensuring your policy keeps up with market appreciation.

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Additional Benefits & Policy Features

Newly Acquired Item Coverage – Automatically covers new acquisitions for a set period, giving you time to update your policy.
Appraisal & Valuation Assistance – We help ensure your collection is accurately valued to prevent underinsurance.
Transit & Exhibition Coverage – Protects valuables while traveling, being loaned to a museum, or showcased in an exhibit.
Restoration & Conservation Costs – Coverage for professional repair or restoration following accidental damage.
Specialist Claims Handling – Work with experts in rare and high-value items for fair and fast claim resolution.

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Who Needs Private Collections Insurance?

Collectors of Fine Art, Jewelry, Wine, or Antiques – Protect your lifelong investments with specialized coverage.
High-Net-Worth Individuals & Private Estates – Ensure comprehensive protection for valuable heirlooms and assets.
Investors in Rare & Appreciating Assets – Secure financial protection for appreciating collectibles.
Musicians, Athletes, & Art Enthusiasts – Safeguard professional and personal collections from loss or damage.

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Protect What Matters Most – Get a Customized Private Collections Policy Today

At Skyscraper Insurance, we believe that your collection deserves coverage as unique as the pieces themselves. We work closely with art advisors, jewelers, curators, and collectors to craft customized policies that provide absolute peace of mind.

Contact us today to discuss your private collections insurance needs and ensure your most treasured possessions are fully protected—now and for generations to come.