Global Courant
While it is crucial to purchase art insurance for the objects in your collection, it is also essential to take as many steps as possible to secure and protect these items from all sorts of dangers you may not be aware of. Here are some tips to help UK collectors preserve their valuable collections while purchasing collection insurance.
Factors Affecting Fine Art Insurance:
An art insurer generally bases premiums on 4 factors: value, location, safety and the complexity of the collection. There are several sensible actions you can take to keep the price of your art insurance policy as low as possible. Proper preventive and maintenance measures you can take begin with hiring a professional art hanger with a good reputation who can use the proper techniques and hardware. This ensures that your paintings are hung in a manner that is compatible with the recommendations made by your insurance company. Insurers like to be proactive in this regard and provide free and relevant advice. It goes without saying that your art should never hang above a fireplace or near heat sources, ducts, radiators or grilles. Keep your home at a steady temperature of about 75 degrees Fahrenheit. If possible, regulate the humidity to about 55%. For older homes, collectors may want to consider purchasing a separate thermo-hygrometer.
Art insurance is just as important as car insurance:
While most people wouldn’t think of driving their car without insurance, many fail to get the right paintings insurance policy. And while many take good care of their home decor, paintings and other art objects are often neglected. Installing smoke detectors and water alarm sensors is easy. Smoke detectors help prevent damage from soot and smoke. Install the detectors within 30 meters of the objects covered by your painting insurance. Also, do not store fine art in attics or basements, as there can be strong temperature fluctuations in these locations. Instead, try setting up an art storage space where you can store paintings vertically in racks. Keep items out of direct sunlight. Some collectors install ultraviolet light filtering film on windows, particularly to protect paper and textiles.
While purchasing art insurance is an important way for UK collectors to protect their valuables, providing a good environment and proactive attitude can go a long way in ensuring years of enjoyment from their collections.
Art Insurance – Advice for collectors
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