Keeping Nashville Covered – Fine Arts & Your Home Insurance

Keeping Nashville Covered – Fine Arts & Your Home Insurance

You have homeowner’s insurance, so you know your furnishings and property are covered.  You have worked diligently to decorate your space to suit your style.  Whether you have done it yourself or with the help of a professional decorator, you have carefully selected works of fine art to accentuate your personality and bring beauty to your living space.  Here is part 2 of the ‘Keeping Nashville Covered’ homeowner’s insurance blog posts. (Click here for post 1 on jewelry and here for post 3 on musical instruments )

Post 2 – Defining Fine Arts

Fine Arts can mean paintings, photographs, sculptures, or statues.  They can be contemporary or classical.  But whatever piece or pieces bring a smile to your face every time you see them, you want to make sure your investment is protected.  Your homeowner’s insurance covers a percentage of your improvement to protect your property.  As an example, if your home is worth $500,000, your contents would be covered at approximately an 80% rate (dependent on your specific policy), which would be $400,000.  However, just like with the jewelry from the previous post, there are limits on how much your fine arts will be covered.

For inexpensive pieces, the covered amount in the general provisions should be sufficient.  But if you have one or several pieces of fine art in your Nashville home, you want to make sure they are adequately protected in the event of damage, fire, or theft.

Whether it’s a piece by a famous artist, such as an Ansel Adams photograph, a painting passed through generations by Monet, or a contemporary glass piece incorporated into the structure of your home, a fine arts rider for your insurance is a great idea.  Appraisals are necessary, but that is a small price to pay to make sure your beautiful artwork keeps lighting up your home with its loveliness, come what may.

And if you’re looking for additional fine arts to enhance your home, look on James’ Edition at this stunning Lichtenstein for sale: .

For questions regarding a fine arts rider, contact your insurance agent.


Image courtesy of Thomas Spake at