Many insurance providers insure art, but the type of art insurance you'll need will depend on the art's value and the kind of coverage you're looking for. Unless you own fine art, your home and contents insurance may be able to provide the protection you need.
Art insurance is a type of insurance that provides financial protection in the event that a piece of art or an art collection that you own is damaged, lost or stolen. In most cases, there are two different ways that you can insure art.
Art can be covered under home contents as long as it's under a certain value. If you have fine art or unique collections, you might want to look into a specialist policy.
The table below outlines which home insurance companies on Finder cover art, as well as their specific limits. If you need higher limits for your art, most provide additional cover — you'll just need to pay slightly more for your premiums.
| Insurer | How they cover art | Limits |
|---|---|---|
 | Paintings, pictures, works of art, antiques, sculptures, ornaments and art objects. | $2,500 per item or set up to a total of $5,000. |
 | General Contents - Works of Art (means paintings, sculptures, photographic prints and figurines). | Up to $2,500 in total. |
 | Paintings, pictures, works of art, sculptures, or art objects. | Up to $5,000 for any item or set, with a limit of $12,000 in total, unless noted separately as specified contents on your Insurance Certificate. |
 | PDS mentions of paintings or works of art. | No limit is mentioned so we'd suggest contacting Youi to enquire further about possible limitations. |
 | Artworks, rugs and antiques (Fine art such as paintings or pictures, Persian carpets, rug or wall hangings, tapestries, vases, ornaments, sculptures or similar. It does not include jewellery, watches or collections). | $20,000 per item, set or pair. |
 | Works of art, figurines, moulded objects, vases or curios (except for jewellery, gold or silver artefacts). | Up to $2,000 per item and $12,000 in total. |
 | Collectables - items such as loose carpets and rugs, artwork including paintings, pictures, sculptures, art objects and curios and collections of coins, stamps and other memorabilia. |
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 | Paintings, pictures, works of art, antiques, sculptures, ornaments and art objects. |
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 | Paintings, pictures, works of art, antiques, sculptures, ornaments and art objects. |
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This information is accurate as of November 2024.
If you buy art insurance from a specialist provider, you can usually have the policy tailored to your needs. You can generally get cover for:
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