Whether you own an assortment of rare whiskey or a whole collection of fine wine, insurance for your collectibles can provide you with peace of mind, knowing that you’ll be able to replace them after a covered event.

In insurance terms, wine and spirits are considered part of your household contents which are included under the personal property coverage provided by your homeowners policy. As such, your homeowner’s policy protects your collection from theft, fire or breakage if caused by a covered peril. Any covered loss will be subject to your policy deductible. However, the following scenarios are likely not covered by your current policy:

  • Breakage caused by dropping a bottle
  • Spoilage due to extreme temperature changes, dampness, or dryness
  • Water damage to the label
  • Diminished value due to cosmetic damage to the bottle
  • Damage due to flood

There is good news, though! You can have losses to your coveted hoard covered by a specialty policy.

If you would like more information on your specific situation, please shoot us a quick note and we will get back to you.

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