Applying fine art endorsements. There is no set definition of what constitutes fine art, but generally it is defined as a genuine work with some historic or artistic significance. (Photo: Shutterstock)

The world is full of beautiful things: paintings, sculpture, glass works, textiles, figurines, jewelry and other items. Many people collect such things, which are often known as fine arts. However, the category is not as straightforward as it seems. Is the china a bride receives for her wedding a fine art that should be scheduled on the homeowners policy? What about baseball cards? Are they fine arts or collectibles, and should they be added to a homeowners schedule?

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.