Schedule Fine Art Insurance in Milton, GA — PURE vs Chubb | Concierge Insurance Group in Duluth, Georgia

STAR — A spring microburst shattered the skylight of a Birmingham Hwy studio, soaking a $60 000 canvas.
STORY — The owner’s standard HO-3 capped “collectibles” at $5 000, forcing a painful out-of-pocket restoration.
SOLUTION — Schedule fine art under a private-client Valuable Articles policy. Below you’ll see exactly how PURE and Chubb stack up for Milton collectors.

1 · Why “Scheduling” Fine Art Beats Standard Coverage

A comparison table with three rows and three columns titled “Risk Scenario,” “Standard HO-3 Policy*,” and “Scheduled Fine-Art Policy.” Row 1 (Theft or breakage): Standard HO-3 Policy shows “$5,000–$10,000 sub-limit”; Scheduled Fine-Art Policy shows “Full agreed value.” Row 2 (New purchase auto-cover): Standard HO-3 Policy shows “None”; Scheduled Fine-Art Policy shows “30–90 days at full value.” Row 3 (Cash-settlement option): Standard HO-3 Policy shows “Actual-cash value, depreciation applies”; Scheduled Fine-Art Policy shows “100% agreed value.”

*Georgia ISO HO-3 specimen form; caps vary by carrier.

2 · PURE vs Chubb — Feature-by-Feature Comparison

A comparison table with three columns labeled “Feature,” “PURE Private Client,” and “Chubb Masterpiece.” The table includes six rows: Blanket limit: PURE offers “Up to $250,000 across pieces”; Chubb offers “$100,000.” Cash-settlement (total loss): PURE states “Agreed value (select tiers)”; Chubb states “Agreed value — always.” Automatic cover for new art: PURE provides “90 days”; Chubb provides “30 days.” Specialty services: PURE lists “Valuations, Loan coordination, Legacy catalogs”; Chubb lists “Preservation, Storage, Display consulting.” Membership fee: PURE charges “≈ $500/yr; potential dividends”; Chubb has “None.”

Choose Chubb if guaranteed cash-settlement is your top priority. Choose PURE if you buy & sell frequently and value a longer auto-cover window.

3 · How to Schedule Art in Three Simple Steps

Appraisal / Invoice — send us a PDF or clear photo. (No appraisal needed if piece < $250 000 and using PURE blanket.)
30-minute Private-Client Art Audit — we complete the application and select carrier.
Issued Endorsement — you receive an agreed-value schedule with zero deductible.

Milton Fine-Art Scheduling Costs (Typical 2025 Rates)

A two-column comparison table labeled “Collection Value” and “Annual Cost*.” It includes three rows: $100,000 blanket collection has an annual cost of $190–$230. $250,000 blanket collection has an annual cost of $420–$550. $1,000,000 itemized collection has an annual cost of $1,600–$2,200. The asterisk next to “Annual Cost” implies additional context or conditions may apply.

*PURE & Chubb GA filings; assumes central-station alarm credit.

4 · When to Upgrade or Switch Carriers

Any single piece is ≥ 10 % of your homeowners dwelling limit.
You acquire > $100 k in new art within 12 months.
You loan art to galleries — transit limits differ.
You want guaranteed cash instead of repair / recreate.

Schedule My Art in 30 Minutes →.

Frequently Asked Questions

Do I need an appraisal for every piece?

Only if an individual piece exceeds \$250 000 or if you choose itemized coverage. PURE’s blanket option lets you declare combined value up to \$250 k with photos.

Does scheduling art raise my homeowners premium?

No. Scheduled art sits on a separate Valuable Articles policy, leaving your HO-3 or HO-5 premium unchanged.

How fast can I add a new purchase?

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