There are four things that you should know before taking the initiative to purchase insurance through your home owner's policy on your fine art and antiques. The most important consideration is that you have a signed appraisal from an antiques dealer that attests to the authentic condition of your fine art and your antiques. Your appraisal should contain an estimate of the value of your fine art and antiques individually. Without this document for each of your fine art and your antiques collections, you will have to take an estimated guess on the replacement value of your fine art and antiques based on your original costs.
The second point to keep in mind is that you can guarantee the safety of your fine art and your antiques from weather or from careless family and guests. You might need to get a stipulation that to insure your fine art and your antiques if you actually use them as household goods and not merely as collectibles. Your prized silverware might be a consideration. Counting silver teaspoons might not be that hilarious if you come up short at a dinner with your favorite silver plate.
Your third problem in deciding to insure your fine art and your antiques is the question of going through your homeowners insurance policy or taking out a special insurance policy only on your fine art and your antiques. What should determine your choice in policy is the level of coverage you can take out under your normal household goods policy stipulations with the added listing of your fine art and your antiques as compared to a special collector's insurance policy much like those carried by jewelers.
The fourth consideration that you should weigh carefully is your inclusion of jewelry as part of your fine art and your antiques or as separate policies especially if you own some expensive jewelry. Some old pieces of jewelry might qualify under fine art and antiques, but they also have value in stones and settings. These pieces may never be replaceable if lost or stolen and your insurance policy would have to cover your loss and your efforts to retrieve them if they are stolen. Check this site - they seems to offer quotes on antiques insurance.