What if I own a lot of antiques that can’t be replaced?

Antiques present a unique challenge to insurance companies because by definition, they are rare and no longer produced. The value of the item may also fluctuate and can be difficult to determine or agree upon in the event of a claim. Most basic homeowners policies do not cover antiques, except for a limited value, which often does not meet the antique’s full monetary value. Any items in excess of the basic value must be separately insured, and the insurance company may require you to secure a certified appraisal prior to agreeing to insure an antique at a specified value.

There are insurance companies and insurance agents who specialize in antiques and may provide a more comprehensive solution than covering them under your homeowners insurance policy. It’s not uncommon to have specialized items such as antiques covered by an insurer that is not your homeowners insurer.


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