Get comprehensive coverage that meets all your needs.
Whether you treasure a 1964 Dom Perignon or a Screaming Eagle Cabernet Sauvignon, we know that wine collectors are looking for excellent coverage to protect their prized fine wine collection.
That’s where Collectibles Insurance Services comes in. We help provide special protection and peace of mind so you can kick back and enjoy doing what you love – finding the next bottle of wine for your collection!
Wine Insurance Coverage for Collectors
- Accidental Breakage
- Flood (except in Zones A & V)
- Loss in the Mail
- Natural Disasters
- Other causes of loss, unless specifically excluded from the policy (see exclusions)
Wine Coverage at Home and Away
- Travel – Transit coverage protects collectible property that is temporarily away from the scheduled location, subject to the policy sublimit.
- Exhibitions – If you’re at a scheduled exhibition, show, or display, coverage is provided for your collectibles up to the policy limit – including travel and shipping to and from the event.
- Storage Facilities – For an additional premium, we offer optional insurance coverage for collectibles kept in a public storage facility.
More Affordable Rates
We offer insurance policies with affordable coverage for wine collections compared to other collectibles insurance policies! Typically, the cost for a policy we offer is less than it would cost to schedule the same items under a homeowners insurance policy.
Less Paperwork and Red Tape
Unlike the average homeowners policy, we do not require a schedule or appraisal for most items; however, you are responsible for maintaining your own inventory of your wine and spirits for insurance purposes (in the event of loss). The only exceptions are individual items or sets valued over $25,000 apiece, which would have to be scheduled items.
We’re Proven and Trusted
We offer policies that are proven and trusted! We have been providing insurance for wine collections like yours since 1966. And all insurance is provided by a carrier with a group rating of “A” (Excellent) by AM Best – the leading rating agency for the insurance industry.
Deductibles starting at $0
Deductibles start at $0 for collector policies. We provide wine collection insurance coverage for the market value of your collectibles for losses in excess of $50. All dealer policies have a $200 deductible.
Insurance that grows with your collectibles
Collections tend to grow, so your policy can be adjusted to include any new purchases of wine bottles and spirits that you add to your collection.
You may select “Automatic Monthly Increase” as optional extra coverage to be added to your policy for new acquisitions and appreciation of your existing collectibles. Selecting this coverage will apply a monthly automatic coverage increase of 1% in coverage, up to a maximum of $1 million.
We provide insurance coverage for dealers, too
If you want to protect your dealer inventory and your clients’ private collections, for which you are responsible, we also offer special Dealers Insurance.
Superior customer service
Our company was started by collectors, so it’s only natural that we pay attention to your interests and needs. And that our customer service would always be geared to the collector’s point of view.
Prompt and personal claim service
As experienced specialists in insuring collections, our adjusters understand the value and importance of your collection. That’s why, should you have a claim, they make every effort to make sure it is settled as quickly and completely as possible.
CIS Company Brochure
Want to learn more about the services we offer? Check out our collector brochure and our dealer brochure.
We don’t just offer wine and spirits insurance! We have experience insuring valuable collections of all kinds. The list of what we cover is longer than our list of what we don’t.
Purchasing Wine Collection Insurance
Getting a quote is fast and easy! If you’re interested in getting insurance for your wine and spirits collection, be sure to get a quote today.