| ues are widely collected and, as such, are very | | | | An antique appraisal, much like any other, will contain |
| valuable. Everything from glassware to paintings and | | | | an image of the item(s) being valued, a description |
| even furniture, antiquities are the hobby of choice for | | | | and a value for either each separate piece or the |
| many collectors. If you collect antiques of any kind, | | | | entire group as a whole. When seeking an antique |
| you will want them to be protected just as you | | | | appraisal, it is best to select a professional who has a |
| would any other item in your household. This is one | | | | lot of experience in the field of antiquities. Not just |
| of the reasons why you may need an antique | | | | any experience, however, but experience in the field |
| appraisal. | | | | directly related to your items. For instance, you would |
| When it comes to protecting your investment against | | | | not want a furniture expert to give you an antique |
| theft, fire or other misfortune, you may need your | | | | appraisal on your glassware. Instead, you would put |
| antique appraisal to secure insurance for your prized | | | | more reliance on an antique appraisal for glassware |
| antiques. Because collections are not always covered | | | | from an expert in that field. |
| under a general home insurance policy, many | | | | An antique appraisal can be expensive, which is why |
| individuals are unaware that they may need to | | | | it’s important to shop around and compare |
| purchase a separate rider policy if they are to | | | | prices from several different professionals. It is |
| protect their investment. | | | | important to video your entire collection, as well as |
| A rider policy is simply a separate policy, which is | | | | take your own photographs and write down |
| added to your home insurance and protects the | | | | descriptions of each item prior to handing your items |
| items covered in the event of a disaster. When | | | | over to an appraiser. If the unthinkable should ever |
| insuring anything, including antiques, the insurance | | | | happen and your collection becomes lost, damaged or |
| company will want to know the value of the items | | | | stolen, you will be glad that you had an antique |
| being covered. To that end, it is often necessary to | | | | appraisal and applied the items to your |
| get a professional antique appraisal of every item | | | | homeowner’s insurance policy as a separate |
| that you want included under the rider policy. This | | | | rider policy. In some instances, antiques and other |
| antique appraisal can be presented to the insurance | | | | collectibles may be covered under a general policy |
| agent, who will make a copy and return the original | | | | and may not actually require a rider policy, but this is |
| appraisal to you for your records. | | | | best discussed with each individual insurance agency. |