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Artwork insurance Quebec 2026: protect collections, paintings and antiques

Paintings, sculptures, antiques, collections: your home insurance is not enough. Here’s how to protect your valuable coins.

$5K
Standard limit per asset
10+
Specialized insurers
24h
Expedited submission
100%
Declared value refunded

Why your home insurance doesn’t cover your artwork

The standard home insurance policy imposes limits per property category: typically $5,000 to $10,000 for art, jewelry, antiques, and collections. Beyond this limit, a lost or damaged work is only reimbursed up to the ceiling. For collectors or owners of a significant work, a “valuable goods” endorsement (or dedicated fine art font) becomes essential. It allows each piece to be declared individually, to obtain the agreed value without a deductible on a claim, and to cover specific risks such as transport, loan to a museum or exhibition.

Valuable property endorsement

Option added to your home policy. Each piece listed, agreed value, reduced or eliminated deductible.

Dedicated fine art font

For high-value collections ($100K). Specialist brokers (Lloyd’s, AXA Art). Worldwide coverage, transport, exhibition.

Professional Assessment

Required for values $5,000/piece. Certified expert. To be renewed every 3 to 5 years depending on the market.

How to do it in 2026

1

Inventory your collection

High-resolution photos, certificates of provenance, purchase invoices, exhibition history. Keep documents outside (vault, bank, encrypted cloud).

2

Have each room appraised

Certified Experts (Canadian Society of Appraisers, Certified Appraisers Guild). Count $200-500/piece.

3

Choose the right package

Up to $25K total: endorsement. Beyond that, consider a dedicated policy. An Assur360 broker will guide you.

4

Review annually

The art market fluctuates. Re-evaluate major pieces every year, others every 3-5 years. Adjust your font.

⚠️ Transport of works: cover often forgotten

If you lend a work to a museum or transport it for exhibition, sale or restoration, your home policy does not follow it. A transport endorsement (or nail-to-nail policy) is essential. Damage during transport can cost tens of thousands of dollars.

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Quebec regions served

Assur360 supports clients throughout Quebec: Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Lévis, and all regional municipalities. No matter what your postal code is, our AMF-certified brokers are at your service.

Frequently asked questions

What is the standard housing limit for works of art?
Typically $5,000 to $10,000 per claim, including all of your works. Varies by insurer — check your policy.
How much does a valuable property endorsement cost?
Approximately 1 to 2% of the insured value per year. A $50,000 collection costs $500 to $1,000/year to cover.
Do I need to have each piece appraised?
Coins over $5,000 yes. Below that, a recent purchase invoice is usually sufficient.
What is the agreed value?
You and the insurer agree on a fixed value per room. In the event of a claim, this amount is paid without discussion — even if the current value has changed.
What does a dedicated fine art font cover?
Fire, theft, accidental damage (drop, vandalism), transportation, display, post-restoration loss of value. Global coverage.
Is my artwork covered if I lend it to a museum?
Yes, if you have a transport endorsement or a dedicated policy with an exposure clause. Otherwise, it is the museum that must take out a loan policy.
Are cryptoart/NFTs insured?
Rarely. A few specialized insurers offer NFT policies, but the conditions are strict. Contact a broker for options 2026.
Is vandalism included?
Yes in a fine art policy or full endorsement. Check for exclusion of political vandalism (rare but present).
Do I need to install an alarm?
Recommended but rarely mandatory. The insurer may offer a 5-15% discount if you have a centralized alarm + safe.
How do I get a quote for my collection?
Call Assur360 at 1-866-357-4451 or send your inventory via our form. Answer in 24-48 hours.

Why do business with Assur360

  • ✓ Firm registered with the Autorité des marchés financiers (AMF)
  • ✓ Certified brokers ChAD and Chambre de la sécurité financière
  • ✓ More than 100,000 customers in Quebec since 2010
  • ✓ Bilingual service available at all times
  • ✓ No cost to the customer: we are paid by the insurer
  • ✓ 9+ insurers compared in a single step

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