The Most Comprehensive Insurance Coverage For Your Wine Collection
PROGRAM BENEFITS
EASY administration
With blanket wine coverage providing as much as $50k insurance per bottle, it's easy to insure an entire collection under one limit. Itemized coverage is also available for more unique collections.
Broad coverage
Coverage is "All-risk" designed to afford protection from temperature fluctuations, mechanical breakdown and power outages as well as earthquake and water damage.
Low deductible
Policy deductibles start at $0 with separate options for earthquakes and storms, ensuring optimal coverage from 'what if...' while keeping premiums at some of the lowest in the market.
PROGRAM OVERVIEW
Unique program benefits including a dedicated underwriting team familiar with dozens of top-tier professional storage facilities across the United States.
Fine art, jewelry collections, antiques, cars and homes all enjoy tailored insurance policies hedging a wide variety of risks. Wine collections, on the other hand, are rarely insured.
All too often, the assumption is that wine is automatically covered by home insurance. And all too often, it is not. Most insurance policies are not designed to accommodate the risks or loss settlement challenges a wine collection presents.
InsureMyWine℠ brings a tailored insurance program, administered by Acacia Insurance, for fine wines and collectible liquors to clients
fast, online solution
easy administration
robust coverage
Tailored protection
PROGRAM COMPARISON
The coverage provided by InsureMyWine℠ is best-in-class, carefully crafted with wine collectors in mind. It includes protection from virtually all types of direct physical loss, as well as options for label damage, transportation, and extended coverage should a bottle’s value have increased dramatically since originally listed for insurance. Wine insurance is added peace of mind, one less thing to worry about when "Maybe" isn't good enough.
Swipe left on table below to see comparison
Coverage Feature | | OTHER |
|---|---|---|
FLEXIBLE Blanket coverage | YES No appraisals are needed for bottles up to $50k in value | MAYBE? Maximum bottle values are limited to $5k without appraisals |
COVERAGE ANYWHERE IN THE WORLD | YES Wine may be covered regardless of location | MAYBE? Coverage can be limited to specific locations, with others excluded |
WINE IN TRANSIT | YES Coverage is designed to follow the collection should it move | Maybe? Coverage may be capped at $25k or less, if even offered |
ALL-RISK COVERAGE, INCLUDING MECHANICAL BREAKDOWN | YES Losses due to mechanical failures are not excluded | MAYBE? How warm was the wine, and for how long? It may not be covered |
EARTHQUAKE, FLOOD AND WILDFIRE COVERAGE | YES Coverage may be included with no deductible, at no additional cost | MAYBE? 10% of total limit or $5k, whichever is higher, and coverage may be excluded |
WINDSTORM, NAMED STORM OR HURRICANE COVERAGE | YES Coverage applies and deductibles range from $0 to 10% | MAYBE? Policy language may exclude any loss due to wind |
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