Wine Collection Insurance

Wine collectors know how to protect vintage wine best, but there are some circumstances you can’t control. From natural disasters to accidental breakage, American Collectors Insurance offers broader coverage for protection. Not only are your rare and vintage wines covered, but we include packaging and accessories in your policy.

collectors-plan4-600x440
Get a free quote in minutes

It’s never been easier to see coverage options for the collectibles you love the most.

Get a Quote

How Our Policy Protects Your Collectibles

Your wine is stored safely in a cellar or special storage room. But did you know it’s still susceptible to damage? These are just a few things an American Collectors Insurance policy protects your wine collection against:

  • Accidental Breakage
  • Burglaries and Theft
  • Fire, Floods, and Natural Disasters
  • Mysterious Disappearance (on scheduled items)
  • Loss/Damage During Shipment (with Collectors Choice Endorsement)
wine collection
Learn about rare vintage and antique collectibles

Online Resources for Wine Collectors

Whether you have an extensive collection of fine vintages or you’re just getting started, connect with other collectors, get values, and more.

Collectible Resources

Wine Collection Insurance Policy Features

How do the policy features of your wine collection insurance help preserve your investment? Here’s more on the benefits you’ll receive when you insure through American Collectors.

Trustpilot
Wine Insurance Basement Cellar

Agreed Value Coverage

American Collectors Insurance covers scheduled wine collections under agreed value, Qualifying collections are insured for their full collector value up to the policy limits, less any applicable deductible, without any deduction for depreciation. Non-scheduled bottle coverage is based on whichever is less: replacement cost or agreed value.

Broader Coverage

A wine collection policy covers damage from accidental breakage, fires, earthquakes, floods, theft, other natural disasters and more. Broader coverage means fewer worries to give you peace of mind about your wine collection.

Unmatched Personal Service

At American Collectors Insurance, our team is made up of collectors just as passionate as you, and we understand the value of speaking to a real person to answer any questions you may have. That’s why we offer a streamlined onboarding service, support, and stress-free claims processing.

Inflation Guard Protection

In the event of a covered total loss to your Wine Collection, Inflation Guard adjusts the Agreed Value of the Scheduled bottles up to 8% maximum.

Automatic Coverage of New Additions

When you expand your collection, each new bottle of wine is covered up to $2,000 so long as you notify us within 30 days of purchase. Note that specific coverage options do vary by state. Please contact us for information on policy specifics in your area.

Additional Resources

Collecting 101

Are Your Collectibles Properly Insured?

Top Reasons to Choose American Collectors Insurance Over Our Competition

It is important to understand the differences in policies and services being offered when making a decision between collector and classic car insurance companies. Reasons to Choose American Collectors Insurance over Our Competitors: Classic Car Insurance …