Art insurance

Many insurance providers insure art, but the type of art insurance you'll need will depend on the art's value and the kind of coverage you're looking for. Unless you own fine art, your home and contents insurance may be able to provide the protection you need.

What is art insurance?

Art insurance is a type of insurance that provides financial protection in the event that a piece of art or an art collection that you own is damaged, lost or stolen. In most cases, there are two different ways that you can insure art.

What are my art insurance options?

• Contents insurance. Getting contents insurance is a clever way to cover your precious artworks from theft and accidental damage.
• Home and contents insurance. If you have home and contents insurance, your art may already be covered. Home and contents insurance looks after all of the belongings in your home, as well as the building and property itself. It provides cover for theft, weather events, accidental damage and more. However, most policies usually have a specific limit for how much they'll cover you for individual items. So if you have valuable art — of say, more than $12,000 — you may need to call your insurer and let them know you'd like to increase your cover amount for those items. Most insurers will let you do this, depending on how expensive the art is. In exchange, you'll pay a slightly higher premium.
• Specialist art insurance. If you have an expensive art collection or fine art, you may want to opt for an insurer that specialises in high-value artworks. This type of coverage is suitable for art dealers, collectors, artists and galleries and can cover you for loss or damage, burglary and theft, including while in transit. These types of companies generally specialise in fine art and so know what kind of protection it needs.

Cover your art with contents insurance

1 - 8 of 55

Product	Finder Score	Works of art	Collections and memorabilia	Home Contents Cover	Accidental Damage to Home or Belongings	Online Discount
Promoted Finder score 9.1 Excellent Budget Direct Contents Insurance Most LovedBonus	Finder score 9.1 Excellent	Up to $5,000 with a limit of $12,000	Up to $2,000		Optional		Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover and gives you 15% off your first year's premium if you purchase online. You need to pay extra for flood cover and accidental damage.	Get a quote More info Compare product selection Compare	loading
Promoted Finder score 8.9 Great Honey Contents Insurance	Finder score 8.9 Great	$2,000 per item and $12,000 in total	$2,000		Optional		Our verdict: Honey gives you $250 smart sensors to reduce accidents and estimates the value of your contents.	Get a quote More info Compare product selection Compare	loading
Promoted Finder score 8 Great Real Top Contents Insurance	Finder score 8 Great	Up to $5,000	Up to $5,000				Get a quote More info Compare product selection Compare	loading
Finder score 8 Great QBE Contents Insurance	Finder score 8 Great	$20,000	$5,000		Optional		Our verdict: It covers essentials such as fire and theft plus comes with some good perks such as security upgrades after a burglary and up to 10% off your first year.	Get a quote More info Compare product selection Compare	loading
Finder score 7.7 Great Real Essential Contents Insurance	Finder score 7.7 Great	Up to $2,500	Up to $2,500				Get a quote More info Compare product selection Compare	loading
Finder score 7.1 Great Youi Contents Insurance Most Loved	Finder score 7.1 Great	Limit not mentioned	Limit not mentioned		Optional		Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.	Get a quote More info Compare product selection Compare	loading
Finder score 6.8 Standard Huddle Black Contents Insurance	Finder score 6.8 Standard	Up to $10,000 with a limit of up to 20% of your contents sum insured	Up to $10,000 with a limit of up to 20% of your contents sum insured				Get a quote More info Compare product selection Compare	loading
Finder score Kogan Contents Insurance	Finder score	Up to $20,000	Up to $5,000		Optional		Our verdict: Get $10 monthly Kogan.com credit (valid on $100+ purchases) with Kogan Contents Insurance. T&Cs apply.	Get a quote More info Compare product selection Compare	loading

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How we picked these

How we calculate Contents only home insurance Finder Scores

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What different scores mean

9+

Excellent

These products offer a balance between low pricing and more features.

7+

Great

Competitive products within their group.

5+

Standard

Usually these products would either have fewer benefits or higher pricing.

0+

Basic

Offering basic cover with limited features or higher pricing.

Which home insurance companies cover art?

The table below outlines which home insurance companies on Finder cover art, as well as their specific limits. If you need higher limits for your art, most provide additional cover — you'll just need to pay slightly more for your premiums.

Insurer	How they cover art	Limits
	Paintings, pictures, works of art, antiques, sculptures, ornaments and art objects.	$2,500 per item or set up to a total of $5,000.
	General Contents - Works of Art (means paintings, sculptures, photographic prints and figurines).	Up to $2,500 in total.
	Paintings, pictures, works of art, sculptures, or art objects.	Up to $5,000 for any item or set, with a limit of $12,000 in total, unless noted separately as specified contents on your Insurance Certificate.
	PDS mentions of paintings or works of art.	No limit is mentioned so we'd suggest contacting Youi to enquire further about possible limitations.
	Artworks, rugs and antiques (Fine art such as paintings or pictures, Persian carpets, rug or wall hangings, tapestries, vases, ornaments, sculptures or similar. It does not include jewellery, watches or collections).	$20,000 per item, set or pair.
	Works of art, figurines, moulded objects, vases or curios (except for jewellery, gold or silver artefacts).	Up to $2,000 per item and $12,000 in total.
	Collectables - items such as loose carpets and rugs, artwork including paintings, pictures, sculptures, art objects and curios and collections of coins, stamps and other memorabilia.	Essentials ($1,000 per item or up to $2,500 per group for each insured event). Top ($1,000 per item or up to $5,000 per group for each insured event).
	Paintings, pictures, works of art, antiques, sculptures, ornaments and art objects.	Classic - $10,000 per item or set up to a total of $50,000. Classic Extras - $20,000 per item or set up to a total of $80,000. Platinum - $200,000 in total.
	Paintings, pictures, works of art, antiques, sculptures, ornaments and art objects.	Classic - $10,000 per item or set up to a total of $50,000. Classic Extras - $20,000 per item or set up to a total of $80,000. Classic Advantages - $200,000 in total.

_{This information is accurate as of June 2025.}

What does art insurance cover?

If you buy art insurance from a specialist provider, you can usually have the policy tailored to your needs. You can generally get cover for:

Frequently asked questions

• Does home insurance cover paintings?

  Home insurance can cover paintings when damaged in a main insured event like theft and fires. The insurer may cover you for repairs or the actual value of the painting. You just want to make sure that you're insured for the right amount.

• Will home insurance cover private collections?

  A home and contents insurance policy may be able to cover a private collection. It's likely that you will need to apply for additional cover. Speak to your insurer to see what it can do. You may need to look at specialist cover depending on the value of your private collection.

• Will home insurance cover art against a defective title?

  In most cases, no. This is the type of cover you're likely to only find with fine art insurance specialists.

• What does a fine arts floater cover?

  A fine arts floater policy generally covers one valuable piece of art you own. It can sometimes be added to your home insurance policy when your standard coverage isn't enough.

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

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Gary Ross has written 590 Finder guides across topics including:

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