Consult with your insurance broker regarding your available options. In some cases, insuring under your Contents cover of your Homeowner’s Policy might be adequate depending on the value of the photograph, any applicable deductible or limit restriction and exclusions. Generally, it is advisable to insure your collection on an agreed value basis with no applicable deductible and the broadest available terms. An appraisal will be required for underwriting purposes. Again, your insurance broker can advise you on this.
In photography there is a reality so subtle that it becomes more real than reality.Alfred Stieglitz