Fine Art Insurance Policy Scope of Work 
International Society of Appraisers
MARCH 14, 2025
The insured ends up with a comparable, used property and not a new property. Replacement cost comparable is generally used for antiques, collectibles, fine art, period jewelry, among other types of property. Since the client is a publishing firm, their insurance policy is likely different from general homeowners.
Artifactual History Appraisal
SEPTEMBER 17, 2019
It can sometimes be present in insurance policies, although in my experience it is much less frequently encountered. The best way to determine what level of value you have in your own insurance policy is to pull out and read your policy documents or call up your insurance agent to confirm.
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