Insurance for the Things That Aren't Off the Shelf
Santa Fe is an art town, and our clients collect. Fine art, firearms, musical instruments, wine, and classic cars all need coverage a standard policy simply cannot provide. We insure them properly, at an agreed value backed by real appraisals, so what you have built is protected.
A Policy Built Around Your Collection
Specialty items do not behave like ordinary belongings. A painting appreciates, a vintage guitar has a market of its own, and a firearm or a case of wine can be worth far more than a claims adjuster would ever guess. A general homeowners policy caps these categories and pays depreciated value, which rarely reflects what a serious piece is worth.
We build agreed-value coverage around each item or collection, so a covered loss is settled at the value you documented, not a discounted estimate. You work with a Jacobs family member who understands appraisals and provenance, all backed by Allstate's national claims network.
What we can insure at agreed value
- Fine art, sculpture, and Southwest originals
- Collectibles, antiques, and memorabilia
- Firearms and heirloom collections
- Musical instruments, from fiddles to grand pianos
- Wine cellars and rare bottle collections
- Classic and collector cars
Ways we get it right
- Proper appraisals. We guide you to the right appraiser and tell you how often values should be refreshed.
- Agreed value, not book value. The number is set before a loss, so there is no depreciation argument after.
- Whole-collection or item-by-item. Blanket a collection or schedule individual pieces, whichever fits.
- Bundle for savings. Adding specialty coverage alongside your home or auto policy keeps costs down and paperwork simple.
Your Classic Is a Collectible, Not a Commuter
A restored classic is one of the most personal specialty items there is, and a regular auto policy pays depreciated value that never reflects the years and money you put in. We write agreed-value coverage so the number is settled up front, with usage terms that fit a show car or a weekend cruiser.
From 1950s and 1960s classics to modern collectibles and restomods, we help enthusiasts across New Mexico protect the cars they love.
- Agreed-value payouts, not depreciated book value
- Flexible usage for shows, tours, and weekend drives
- Coverage for parts, restorations, and spare vehicles
Collections We Know Well
Fine Art
Paintings, sculpture, and originals.
Instruments
Guitars, fiddles, and pianos.
Wine & Collectibles
Cellars, antiques, and memorabilia.
Classic Cars
Show cars and restorations.