Collecting high-value porcelain sculptures is a passion for many, but ensuring proper insurance coverage can be fraught with challenges. One common pitfall is underestimating the true value of pieces, leading to inadequate coverage. Many collectors rely on outdated appraisals, failing to account for market fluctuations or rarity.

Another issue is overlooking exclusions in policies. Standard homeowner’s insurance often excludes fragile items or imposes low limits for art. Specialized collectibles insurance is essential but may still exclude accidental breakage unless explicitly added.

Transport and storage risks are frequently ignored. Porcelain is highly fragile, and damage during moves or due to improper storage conditions may not be covered without specific clauses. Additionally, some policies require proof of professional packing or climate-controlled storage, which collectors might neglect.

Finally, failing to document collections thoroughly can lead to claim denials. High-resolution photos, provenance records, and expert appraisals are critical for proving value. Without these, insurers may dispute claims or offer minimal compensation.

To avoid these pitfalls, work with insurers specializing in art collections, update appraisals regularly, and ensure all risks—from breakage to theft—are explicitly covered. Protecting your porcelain treasures requires diligence and tailored insurance solutions.