The Most Comprehensive Insurance Coverage For Your Wine Collection
With blanket coverage providing as much as $50k coverage per bottle without an appraisal, it's easy to insure an entire collection under one limit. Itemized coverage is also available for more unique collections.
Coverage is "All-risk," including protection from losses due to power outages, mechanical breakdowns, wildfire, earthquake, flood and windstorms, as well as breakage and theft.
Policy deductibles range from $0 to 10%, ensuring that coverage extends to floods, earthquakes, wildfires and such while keeping premiums at some of the lowest rates in the market.
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
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.
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FLEXIBLE Blanket coverage
No appraisals are needed for bottles up to $50k in value
Maximum bottle values are limited to $5k without appraisals
COVERAGE ANYWHERE IN THE WORLD
Wine may be covered regardless of location
Coverage can be limited to specific locations, with others excluded
WINE IN TRANSIT
Coverage is designed to follow the collection should it move
Coverage may be capped at $25k or less, if even offered
ALL-RISK COVERAGE, INCLUDING MECHANICAL BREAKDOWN
Losses due to mechanical failures are not excluded
How warm was the wine, and for how long? It may not be covered
EARTHQUAKE, FLOOD AND WILDFIRE COVERAGE
Coverage may be included with no deductible, at no additional cost
10% of total limit or $5k, whichever is higher, and coverage may be excluded
WINDSTORM, NAMED STORM OR HURRICANE COVERAGE
Coverage applies and deductibles range from $0 to 10%
Policy language may exclude any loss due to wind
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