Insuring Art, Antiques, Jewelry, Silver, and Household Contents:
Everyone needs some kind of household insurance for day to day protection, and if you move you will need additional coverage while your property is in transit.
A homeowner's insurance policy provides for payment if you lose items of personal property through fire, theft or breakage. There are, however, category limits as to how much you will be paid unless you have your valuables specifically listed and their values confirmed by means of a bona fide appraisal prior to loss.
In the event of loss, proof of ownership as well as of claimed value must be provided by the owner. For Antiques, Collectibles and Art this is most easily accomplished by means of a professional appraisal. Most insurance companies require that appraisals be updated every few years.