Mass-market homeowners policies cap fine art at $2,500 and jewelry at $1,500. We place specialist coverage through Markel, Chubb, AIG Private Client, PURE, and ten other top-rated independent markets — agreed value, worldwide transit, no sub-limits on what matters most.
We're independent — not captive to any single carrier. We shop a curated bench of top-rated specialist art and collections insurers, matching your collection to the carrier with the deepest appetite for it.
Carrier names indicate markets we access; availability varies by collection type, value, state, and underwriting. Not all carriers write every risk.
Standard homeowners policies cap fine art at $2,500 and jewelry at $1,500 — then exclude mysterious disappearance, breakage, and transit. Specialist collections coverage eliminates all of that.
Paintings, sculpture, prints, drawings, photography, and mixed media — scheduled or blanket at agreed value, no depreciation.
Scheduled jewelry, watches, gems, and precious metals — agreed value, worldwide, including mysterious disappearance.
Wine cellars, rare spirits, and curated collections — scheduled or blanket, including temperature failure and breakage.
Philatelic, numismatic, and sports memorabilia collections — agreed value, mysterious disappearance, worldwide.
Farmers, State Farm, AAA, and other captive carriers only offer their own form — often a scheduled rider to your homeowners policy with per-item sub-limits, exclusions, and actual cash value at loss. Specialist insurers write stand-alone agreed-value policies built for collections. We access both worlds — then recommend the better fit.
Specialist art and collections policies from carriers like Markel, Chubb, and AIG Private Client are built for collectors — not retrofitted from a homeowners form. These features are standard in specialist programs, not riders you pay extra for.
No depreciation. Loss paid at the scheduled value — not ACV, not replacement cost less wear-and-tear.
At home, in storage, at auction, at a gallery loan, or in transit — covered anywhere on the planet.
New pieces added to your collection are automatically covered for up to 90 days — no call required.
Fragile items — ceramics, glass, sculpture — covered for accidental breakage. Excluded on most homeowners.
Items that go missing without a traceable cause — covered. Standard homeowners almost never include this.
Partial loss includes cost of professional restoration to museum quality — not generic repair estimates.
Homeowners policies typically cap unscheduled fine art at $2,500 and jewelry at $1,500 — per occurrence, not per item. A specialist stand-alone policy through carriers like Markel or Chubb schedules each piece at its appraised value with no sub-limits and no depreciation. A five-minute application is all it takes to start.
See a pricing indication for your collection in under two minutes, then complete and sign the official Markel Personal Collections Application right here — no printing, no PDFs to email. A licensed broker shops the full market and turns your application into bindable options, often the same day.
Select your collection types and enter estimated values to see a specialist market pricing indication. This indication is based on typical rates — a licensed broker confirms final terms.
Basic applicant details for the Markel Personal Collections Application. Fields marked * are required.
Markel insures 13 collection classes separately — enter the limit you want for each class you hold. Then answer the inventory questions below.
Enter the coverage limit (total insured value) for each class. Leave blank if you don't hold that class. All limits are per-occurrence agreed value.
Underwriters need to know where your items are stored and what protections are in place. This helps match your risk to the right carrier and may improve your rate.
This is your completed Markel Personal Collections Application, filled in with your answers. Scroll through every page, adopt your signature, and submit — we'll start shopping the market right away.
Scroll through every page — the ring fills as you review.
Type your name and choose a style, or draw it freehand. We'll place it on the application's signature line.
Choose a signature style:
By adopting, you confirm this is the electronic representation of your signature for this application. Your signature appears live on page 4 of the form above as you adopt it.
By signing and submitting you confirm the information is true and complete to the best of your knowledge. Submission is not a binder or guarantee of coverage; final terms are subject to carrier underwriting and appetite. As your independent broker we will shop the specialist art market and follow up promptly with bindable options.
Your completed, signed Markel Personal Collections Application is on its way to us — and a copy is in your inbox. We'll shop the specialist art market and bring back bindable options, often the same business day.