Insurance for wine collection?
Sep 8, 2017 | 2:20 pm
#1
Original Poster
Join Date: Apr 2003
Location: IAD
Programs: Free Agent
Posts: 1,959
Insurance for wine collection?
So I took inventory of my wine collection, and it was a bit more extensive/expensive than I had realized 
Does anybody insure their wine? If so, can you point me to an insurance broker or company that I can get a quote from? Thanks!
Does anybody insure their wine? If so, can you point me to an insurance broker or company that I can get a quote from? Thanks!
Sep 9, 2017 | 3:35 am
#2
Join Date: Mar 2004
Location: Baltimore MD
Posts: 3,472
FDW
Sep 9, 2017 | 4:38 am
#3
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Join Date: Jan 2009
Location: London & Sonoma CA
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My wine is on my general household policy, which is one which covers fine art etc. I have to itemise any item over 2000 but sadly none of my bottles are over that amount. The only thing which now occurs to me is whether an unopened case counts as 12 items or one....
Sep 10, 2017 | 11:48 pm
#4
Join Date: Dec 2009
Location: New York, NY
Programs: DL Gold. UA Silver, Marriott Gold, Hilton Diamond, Hyatt (Lifetime Diamond downgraded to Explorist)
Posts: 6,777
You should check with your current carrier/broker. Many times an additional rider to your coverage is easier & less expensive than a solo policy which may have many conditions or exceptions.
That is unless we're talking really substantial value for your collection. Then you'll want something more specialized like offered here: http://insureyourwine.com/wine-insur...SAAEgLOo_D_BwE
That is unless we're talking really substantial value for your collection. Then you'll want something more specialized like offered here: http://insureyourwine.com/wine-insur...SAAEgLOo_D_BwE
Sep 11, 2017 | 8:38 pm
#6
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Join Date: May 1998
Location: Rochester, NY USA
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$275 seems like a fantastic price; what is the deductible?
Sep 12, 2017 | 2:56 pm
#8
Original Member
Join Date: May 1998
Location: Rochester, NY USA
Programs: Hilton - Diamond, IHG - Platinum
Posts: 1,433
I owned a small insurance agency for over 40 years and the price, coverage and company make it look like a great value
Sep 13, 2017 | 4:23 pm
#10
Original Member
Join Date: May 1998
Location: Rochester, NY USA
Programs: Hilton - Diamond, IHG - Platinum
Posts: 1,433
Most homeowners policies will cover wine the same as any other content. however, the coverage is limited to the perils insured against ( contents coverage is usually not as broad as building coverage) and there is no particular value assigned to each bottle or case.
Sep 14, 2017 | 3:50 am
#11
Join Date: Mar 2004
Location: Baltimore MD
Posts: 3,472
what do the insurance groups use for valuation? Auction sales? price paid? I have a good amount of bourbon who's street value is much more than what I paid for it, but don't know it they will take the sales on a Facebook group for valuation....
FDW
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