“The goal of life is living in agreement with nature”

bwgoulet

Brenda W Goulet

rstimpson

Rob Stimpson

elindgren

Eric Lindgren
jmiller

Jeff Miller

jfraser

Janet Stahle-Fraser

jkirkpatrick

Jenny Kirkpatrick

dthur

Don Thur

This region is our muse as individuals, and so our collaboration has been a natural progression.
We have joined together to present a collective vision of Muskoka.
Our works, in several media, complement one another, each piece finding its source in our common Muskokan soil.

    8 questions to ask your art insurance agent

     

    GUESS what happens when your homeowners  policy doesn't cover your art loss or theft?

     

    That is right...

    YOU lose.

    Even though you faithfully paid your premiums for your home insurance in Atlanta.

    If you are thinking of investing in a Muskoka Seven piece of art then be sure to call your art agent now.

    Here are 8 questions to ask when insuring your paintings, sculptures and bronzes

    1. How much coverage is included in my standard policy for artworks and antiques? Isn't it better to find out now then LATER?
    2. What does my current homeowners premiums cover? Will it cover natural disasters, fire, flood, earthquakes, accidents, or theft?
    3. Are there any exclusions in my policy that I need to know about?
    4. Do I need to add an insurance RIDER to protect my art work?
    5. Does my current insurance company  offer riders to cover art?
    6. Do i need to meet an additional deductible for this rider?
    7. Is my policy worth two times the appraised value of my paintings, sculptures and bronzes?
    8. Do you have a few any local art appraisers contact info that have good references?

    If you already own art then you owe  it to yourself to contact your home insurance agent now and ask these questions today.

    author: Lloyd Pro Group, Atlanta home insurance agency

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    Art lovers are you making this common mistake?

    Art lovers are you making this common mistake with your valuable treasures you have collected?

    So you are a fellow art lover.

    Art graces the walls of your home and office.

    It brings pleasure and  joy to collect, own and share.

    QUESTION:

    Are you assuming your home insurance will cover the theft or damage of your artwork and antiues?

    Whether it is a painting, sculpture or anything else that strikes your artistic senses don't wait until you have a break in to find out that your precious possessions may not be covered.

    If you own anything that is worth more than a $1,000 its time to talk to your local insurance agent to come up with a rider policy that will protect your treasures.

    You might be a fan of the Antique road show.

    The appraisers often tell people to insure their artwork for such and such value.

    YOU need to do this also.

    In this recent forbes article they suggest that "you should be insuring items for their retail replacement value, which means getting an appraiser to assess art works or other collectibles on that basis every few years. That way, you can supply appraisal reports to insurers to ensure you have adequate insurance coverage, but also to ensure you have the evidence to support future claims."

    How much coverage do I need?

    Typically, you buy insurance based on appraised value. In the event of a claim, some policies reimburse for that amount; others pay the greater of the appraised value and the market price, sometimes capping reimbursement at 150 percent of the former. Insurers expect clients to appraise their works every three to five years in normal markets, more often if prices are volatile. source

    Lloyd Pro Group offers free home insurance quotes in Atlanta & specializes in providing art and antique insurance in Atlanta.

     

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"The goal of life is living in agreement with nature" – Zeno, Greek philosopher (335-263 B.C.)