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Art Collection Protection

There are several preventative and maintenance steps you can take to care for your collection properly:

Keep art collections out of direct sunlight. Ultraviolet light will cause severe and often irreversible damage to art, especially paper, textiles and photographs. Turn off all lights when the room is not being used, and keep curtains or shades drawn. In rooms containing many fine art items, consider installing UV filtering film on windows.

Never hang artwork or a valuable object over a fireplace. Heat, smoke and ash can easily ruin artwork.

Install smoke detectors, not heat detectors, in rooms with precious objects. A heat detector will provide little protection against soot or smoke damage. Install smoke detectors within 100 feet of the objects you wish to protect.

Do not store fine art or carpets in basements or attics. These parts of the home are susceptible to dramatic temperature changes, flooding and leaks. If possible, create an “art closet,” with horizontal racks and a locked door. Wrap all fine items in archival materials, and store framed artwork face to back, in a vertical position.

Hire a professional and recommended art hanger. Objects must be hung correctly to ensure support and reduce the chance of falling. A professional art hanger is more likely to use the proper hardware and structural supports than a general contractor.

Keep your home at a constant temperature of approximately 75°F and 55% relative humidity. Because home thermostats are imprecise, install a compact digital thermo-hygrometer to monitor humidity and temperature.

Frame all art, especially paper, textiles and photographs using "museum quality" materials. Shatter-resistant fronts can shield damaging UV rays and other exposures, whereas corrugated polypropylene backings protect against water absorption. Consult a museum-quality framer or conservator for specific advice about framing different mediums.

Install water alert sensors in areas of your home susceptible to water damage. These areas include above ceiling trays and under washers, dryers and radiators.

Read more tips on protecting your fine arts collection.

The opinions and positions expressed are the authors’ own and not those of Chubb. The information and/ or data provided herein is for informational purposes only and is not a substitute for professional advice. Insurance coverage is subject to the language of the policies as issued.