| Antiques are widely collected and, as such, are | | | | to know the value of the items being covered. To |
| very valuable. Everything from glassware to | | | | that end, it is often necessary to get a |
| paintings and even furniture, antiquities are the | | | | professional antique appraisal of every item that |
| hobby of choice for many collectors. If you collect | | | | you want included under the rider policy. This |
| antiques of any kind, you will want them to be | | | | antique appraisal can be presented to the |
| protected just as you would any other item in | | | | insurance agent, who will make a copy and return |
| your household. This is one of the reasons why | | | | the original appraisal to you for your records.An |
| you may need an antique appraisal.When it comes | | | | antique appraisal, much like any other, will contain |
| to protecting your investment against theft, fire | | | | an image of the item(s) being valued, a description |
| or other misfortune, you may need your antique | | | | and a value for either each separate piece or the |
| appraisal to secure insurance for your prized | | | | entire group as a whole. When seeking an antique |
| antiques. Because collections are not always | | | | appraisal, it is best to select a professional who |
| covered under a general home insurance policy, | | | | has a lot of experience in the field of antiquities. |
| many individuals are unaware that they may need | | | | Not just any experience, however, but experience |
| to purchase a separate rider policy if they are to | | | | in the field directly related to your items. For |
| protect their investment.A rider policy is simply a | | | | instance, you would not want a furniture expert |
| separate policy, which is added to your home | | | | to give you an antique appraisal on your |
| insurance and protects the items covered in the | | | | glassware. Instead, you would put more reliance |
| event of a disaster. When insuring anything, | | | | on an antique appraisal for glassware from an |
| including antiques, the insurance company will want | | | | expert in that field. |