Fine Art Insurance Calculator

Estimate fine art and valuable articles insurance premiums from collection value, location, and transit needs.

Total collection value ($)

Number of pieces

Location type (0-4)

Traveling exhibitions/year

Deductible ($)

Current appraisal (0/1)

Tab to move between fields

Total annual premium ($)

$128.25

≈ 9 movie tickets

Base premium ($)$128.25

Transit coverage ($)$0.00

Monthly premium ($)$10.69

Avg. value per piece ($)$20,000.00

Rate per $1,000 value1.28

How to Use This Calculator

Enter the appraised value of each artwork or collection.
Select the storage type: home, gallery, vault, or traveling exhibition.
Input the security system rating (alarm, monitoring, guards).
Review the Estimated Annual Premium and the Agreed Value vs Actual Cash Value recommendation.
Use the Premium per $1,000 of Value output to compare rates across multiple insurers.

How the result changes with Total collection value ($)

Total collection value ($): Combined appraised value of all pieces in the collection.
Number of pieces: Total number of artworks / valuable articles being insured.
Location type (0-4): 0 = Home w/ alarm, 1 = Home w/o alarm, 2 = Gallery, 3 = Museum, 4 = Storage facility.
Traveling exhibitions/year: Number of times per year pieces are loaned or exhibited off-site.
Deductible ($): Per-occurrence deductible — higher deductible reduces premium.
Current appraisal (0/1): 1 if you have professional appraisals (within 3 years) for scheduled items.

Base premium ($): Annual premium for stationary coverage after credits.
Transit coverage ($): Additional premium for traveling/exhibition coverage.
Total annual premium ($): Combined annual premium for all coverages.
Monthly premium ($): Total annual premium divided by 12.
Avg. value per piece ($): Average insured value per artwork.
Rate per $1,000 value: Effective premium rate per $1,000 of collection value.

Identify Input Parameters
4 parameters
Total collection value ($) = 100000, Number of pieces = 5, Location type (0-4) = 0, Traveling exhibitions/year = 0 = 6 input(s) provided
Calculate Total annual premium
Total annual premium = adjustedBase + transitPremium
128.25 = $128.25
Calculate Base premium
Base premium = basePremium * (1 - deductibleCredit) * (1 - appraisalCredit)
128.25 = $128.25
Calculate Transit coverage
Transit coverage = travelingExhibitions * (200 + totalValue * 0.0005)
0 = $0