To insure your paintings properly, you should first obtain professional written appraisals or compile purchase receipts and certificates of authenticity to establish their true market value. Next, contact a specialty fine art insurance provider or ask your current home insurance agent about adding a scheduled personal property endorsement or a standalone fine art floater policy. Ensure the policy includes "all-risks" coverage, wall-to-wall protection during transit or exhibitions, and agreed-value terms so that payouts match replacement costs without depreciation deductions.
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