While it’s crucial to obtain art insurance for the objects in your collection, it’s also essential to take as many steps as you can to secure and protect these items from a variety of hazards, some of which you may not be aware of. Here are some tips to help UK collectors preserve their valuable collections whilst also having collection insurance.
Factors that Influence Fine Art Insurance:
An art insurance company generally bases premiums on 4 factors: value, location, security and the complexity of the collection. There are several common-sense actions to take that will help keep the price of your arts insurance as low as possible. Proper preventative and maintenance steps you can take start with hiring a professional art hanger with a good reputation who can use the proper techniques and hardware. This will assure that your paintings are hung in a way that’s compatible with any recommendations your insurance company has made. Insurers like to be proactive in these matters and the advice they give is both free and relevant. It goes without saying that you should never hang art over a fireplace or close to heat sources, ductwork, radiators or registers. Keep your home at a constant temperature of about 75 degrees Fahrenheit. If possible regulate the humidity to about 55%. For older homes, collectors should consider purchasing a separate thermo hygrometer.
Art Insurance is as important as Car Insurance:
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While most people wouldn’t dream of driving their car without insurance, many fail to acquire the correct paintings insurance. And while many take good care of the furnishings in their homes, often paintings and other art objects are neglected. It’s a simple matter to install smoke detectors and water alert sensors. Smoke detectors will help prevent damage from soot as well as smoke. Install the detectors within 100 feet of the objects covered by your painting insurance. Also, don’t store fine art in attics or basements because there can be severe temperature fluctuations in these locations. Instead, try to establish an art storage area where you can store paintings vertically in racks. Keep items out of direct sunlight. Some collectors install ultraviolet light filtering film on windows, specifically to protect paper and textile items.
While carrying art insurance is an important way for UK collectors protect their valuable objects, providing a proper environment and being proactive can go a long way towards assuring enjoyment of their collections for years to come.
Leonard Luppris works in the Insurance Industry and is currently employed with Dovetail Insurance Services Ltd. He writes regularly about topics related to High value buildings insurance – High value contents insurance – Home contents insurance – Collection insurance – Listed buildings insurance – Antiques insurance -Paintings insurance – Art Insurance – Specialist home insurance and other Insurance services.
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