Protecting and preserving your collection while on display in your home is essential to ensuring that it can be enjoyed for generations to come. Below are a few simple steps you can take to maintain your collection’s value over time.
For early detection of smoke and fire, install centrally monitored smoke detectors in or near all areas where art is displayed. Confirm that all accessible points of entry are alarmed, including windows, doors, fire escapes, and skylights, and install interior motion detectors or glass break sensors. Consider installing a water leak detection system to guard against potential water damage issues. Additionally, installing a backup generator and a monitored climate control system can protect against harmful fluctuations in temperature and humidity.
While light can illuminate your fine art, it can also damage it, causing fading, discoloration, and the gradual deterioration of cherished paintings, photographs, prints, rare books, furniture, and more. Textiles and works on paper are particularly vulnerable to the harmful effects of UV exposure. To limit UV exposure:
Remember that the ideal temperature for human comfort may not be the best climate conditions for your fine art. Fluctuations in temperature and humidity can cause materials to expand and contract, leading to overall deterioration such as the warping of wood panel and canvas supports, cracking of paint layers, fading of color photographs and structural damage to veneered furniture. Low humidity can cause materials to become brittle, while high humidity can promote mold growth, pest infestation, discoloration and fading of works on paper including photographs, and metal corrosion. To keep your collection in top condition:
Displaying your fine art at home allows you to immerse yourself in your passion while appreciating your valued investments. However, it is important to select the right area to display your items and ensure that they are installed and handled correctly. This is especially crucial for fragile artworks and sculptures, which should be placed in safe areas within your home to prevent accidental damage.
This document is advisory in nature and is offered as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. It is an overview only and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice.
Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at chubb.com. Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600.
Speak to an independent agent about your insurance needs.