Wine & Spirits Insurance

We offer flexible, worldwide coverage options to meet your unique needs and cover most wine and spirits losses with no deductible.

If you already have itemized wine or spirits on your policy, your newly acquired items are covered for up to 90 days (25 percent of the itemized coverage).*

If the market value of an item before a loss exceeds the amount of coverage, we’ll pay up to 150 percent of the amount itemized for your wine or spirits on your policy to account for increases in market value.

We’ll work with you upfront to determine the value of your wine and spirits. Then, for covered total losses, we’ll make sure you get 100 percent of the agreed value as a cash settlement.

Protect an entire collection of wine and spirits with blanket coverage, itemize your individual bottles, or do both. It’s up to you.

We’ll provide coverage for wine and spirits that have been damaged due to loss of utility service or mechanical breakdown of climate control equipment.