Wine Cellar Insurance

A case of the most exquisite Chardonnay is sitting in your wine cellar, or a hundred or so bottles of different Cabernets, Pinot Grigios, and Merlots there for storage, aging and for future entertaining, and then an untoward accident like fire, or an earthquake hits. Sure, your house is insured, but does wine cellar have insurance coverage?

Wine cellar insurance is one way you can sleep better at night. In other words, it would be a good idea for a wine enthusiast to have their wine cellar insured.

Here are a few questions a wine enthusiast must ask himself or herself before deciding to run out to the nearest insurance company:

Up to what extent does the insurance intend to cover? Different insuance companies offer different packages. There are those which offer extensive coverage, which does not only include theft, fire and earthquakes, but also, accidental temperature extremes, accidental huimidity fluctuations, and even accidental light damage.

Your wine cellar insurance coverage must go accordingly to your collection. Different companies offer different insurance policies, it would be best to ask questions on each policy, making sure it meets your needs, before you jump right in.

Before going to have your insurance, make sure you have a comprehensive inventory of all the items in your wine cellar, this means having to write down the year and make of the wine, and its appraised prise. This makes sure for a speedy appraisal of your wine cellar.