What you need to know about using wine insurance to protect your Pleasant Hill, CA collection.
If you’re a wine collector, odds are you’ve invested not just a significant amount of money, but also countless hours and endless energy in cultivating your collection. The bottles you own represent your passion.
Unfortunately, that doesn’t mean your homeowners insurance will protect them. Certainly, your policy might pay to replace your bottles if they’re damaged by a covered cause (e.g. a fire), but only up to your policy limits. If you have an extensive collection, those limits likely aren’t enough.
What’s more, your homeowners insurance won’t protect your bottles in the event of an earthquake or a flood. These two all too common natural disasters could easily wipe out your entire collection, leaving you with nothing to show for the time and money you invested in building it up.
Fortunately, you can get a separate, stand-alone wine collection insurance policy to protect your portfolio of wine. Whether you have a small but distinguished collection or a major selection you need to protect, this policy can step in. It will protect you in the event of an earthquake, flood, fire, theft, wind damage, and other traditional all risk perils.
What’s more, this coverage is affordable. You’ll only pay $.75 for every $100 of wine you need to insure annually. With this type of policy, you’ll get up to $1,000 a bottle of fair market value reimbursement for a covered loss. Don’t leave your wine collection exposed; head to GotWineInsurance to get your policy.
If you have questions about insuring your wine collection—whether you’re a private collector, a wine store, or a restaurant—contact Lou Aggetta Insurance Services. We know just how valuable your wine collection is, and are committed to helping homeowners and business in Pleasant Hill and the surrounding California area insure their wine.