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“Usually with wine collections, people start innocently enough, maybe buy a few cases, but the next thing you know they are having a wine cellar designed. But it doesn’t occur to them to get separate coverage,” says Melissa L. Smith, of Enotrias Elite Sommelier Services. (Credit: Dario Lo Presti/Shutterstock.com) “Usually with wine collections, people start innocently enough, maybe buy a few cases, but the next thing you know, they are having a wine cellar designed. But it doesn’t occur to them to get separate coverage,” says Melissa L. Smith of Enotrias Elite Sommelier Services. (Credit: Dario Lo Presti/Shutterstock.com)

A misconception persists among homeowners that their insurance policies will protect wine collections, when in fact, a separate rider or wine-specific coverage is necessary, according to Melissa L. Smith, certified sommelier and founder of Enotrias Elite Sommelier Services, which specializes in inventorying wine collections.

“Usually, with wine collections, people start innocently enough, maybe buy a few cases. The next thing you know, they are having a wine cellar designed, but it doesn’t occur to them to get separate coverage,” she says.

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Steve Hallo

Steve Hallo is managing editor of PropertyCasualty360.com. He can be reached at [email protected].  

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