The Finest Wine Collection Coverage for Proud Oenophiles

Wine Collection Insurance

wine wine bottle

Get comprehensive coverage that meets all your needs.

Wine Insurance

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
  • ​Burglary
  • Fire
  • Flood (except in Zones A & V)
  • Loss in the Mail
  • Natural Disasters
  • Theft
  • 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.

Inflation coverage

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.

Related Services

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.

Frequently Asked Questions

Will CIS provide me with insurance for my wine and fine spirits collection?

Yes, we offer comprehensive and broad coverage for your collection! We have experience insuring wine collectors of all kinds who appreciate the scope and special coverage.

Why should I choose CIS to provide insurance for my collectible wine and spirits?

CIS is a company founded by collectors, so we understand that your collection is often more of an emotional investment than a financial one and that these collectibles are worth far more to its owner than money alone. As experts in collectibles insurance, we have been protecting valued collectibles and more since 1966—offering not just coverage, but the kind of peace of mind that a standard homeowners policy simply cannot provide. Here are just a few reasons why you should choose CIS to provide insurance for your valuable collectibles:

  • Proven and Trusted – Protecting collectors since 1966, all coverage is provided by a carrier with a group rating of “A” (Excellent) by AM Best, the leading rating agency for the insurance industry.
  • Coverage at Home and Away – We provide insurance at any scheduled location in the United States. But, that’s not all. We provide transit coverage, which protects collectible property that is temporarily away from the scheduled location (subject to policy sublimit). 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. We also provide optional coverage for collectibles kept in a public storage facility (up to $100,000).
  • Comprehensive Coverage  Coverage includes, but is not limited to, accidental breakage, burglary, fire, flood (except in zones A & V), loss in the mail, theft, natural disasters, and other causes of loss unless specifically excluded from the insurance policy.
  • More Affordable Rates – Typically, you will pay less than it would cost to schedule the same items under your homeowners policy. Deductibles start at $0 for collector policies, and we provide coverage for the market value of your antiques for losses in excess of $50.
  • Less Paperwork and Red Tape – Unlike homeowners, a schedule or appraisal is not required for most items; however, you are responsible for maintaining your own inventory for insurance purposes (in the event of loss). Individual items or sets whose insured value is set at $25,000 or more must be scheduled.
  • It’s Fast and Easy – Get a quote online or call our expert CIS team at 888-837-9537 (8:30 am – 5:00 pm (EST), Monday – Friday
Why doesn’t my homeowners insurance policy cover my collectible wine and spirits?

Our company was created by an avid stamp collector who realized that ordinary homeowners coverage simply couldn’t provide the coverage his rare treasures demanded. For everyday, easily replaced personal property, homeowners is all most people need. But for prized possessions you may have spent a lifetime collecting, it doesn’t go nearly far enough. That’s why we offer a group of benefits that the less specialized insurance carrier doesn’t often provide. For example:

  • Homeowners coverage is typically based on the actual cash value of your collection—not their current market value or full collector value.
  • Homeowners can limit coverage of all the contents in your home to a percentage of your home’s total value (usually between 50% and 70%).
  • It may not cover losses caused by floods, hurricanes, or earthquakes.
  • Homeowners may have limited or no coverage for valuables like silver, guns, stamps, and other collectible items.
  • You may be required to appraise and schedule all items individually. And new items must be reported and scheduled within 30 to 90 days of acquisition.
What does CIS insure?

Like most collectors, we’re specialists. Providing collectible insurance is all we do. So we’re able to passionately focus on servicing the needs of wine collectors like you. Generally, if you can collect it, we can cover it. (The list of what we provide coverage for is a lot longer than what we don’t.) Some of the most popular categories we cover include wine and spirits; stamps; coins; guns, knives, and accessories; sports cards and memorabilia; and toys.

What doesn’t CIS insure?

The following are excluded: Government seizure or destruction of property; war and nuclear hazards; gradual deterioration such as fading, creasing or denting; nesting, infestation or discharge or release of waste products or secretions by insects, rodents or other animals; dampness or dryness of atmosphere; changes in or extremes of temperature other than fire; fraudulent, dishonest or criminal acts; voluntary parting with covered property; loss or damage while being worked on by you or others working on your behalf; and mysterious disappearance. This is not a complete list of exclusions and exclusions can vary by policy.