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A woman looks at a forgery of Vincent van Gogh’s painting ‘The Sower’ by Leonhard Wackerforger at a 2014 exhibition of fakes at Moritzburg art museum in Germany. (Peter Endig/dpa/Alamy Live News)

One of the most intriguing and confusing categories in property insurance involves appraising fine art. With the highest price paid for a work of art now at $250 million, a forgery is comparatively worthless; the potential cost of making an error is enormous.

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