Protected for what it is worth today.
Most collections are protected against the past: values from the last appraisal, coverage from the last renewal, records from whenever someone last had time. A living record closes the gap between what you own and what would come back to you if the worst happened.
Most collections are insured against old numbers.
One collector discovered $4 million of underinsurance only after a wildfire reached her home. Her insurer had been renewing, year after year, on an appraisal five years old. The premium was always paid. The protection had quietly expired.
Matched to current values.
When the record is living, the schedule can be too. Values that move with the market mean coverage that actually reflects the collection, not the collection as it stood years ago.
With a living record, her coverage would have moved when her values did.
Correct, not inherited.
Stale values cut both ways. Works that have fallen in value keep their old premiums too. A current schedule means paying for the protection you need, in both directions.
Proof, already assembled.
A claim asks what it was, what condition it was in, and what it was worth, with evidence. In Cove, every answer is filed against the work before anything happens to it.
How coverage stays current.
Protection is not a product you buy from Cove. It is what a fully documented, currently valued collection makes possible, with your own broker and insurer working from real numbers.
An appraisal built for insurers.
When the schedule needs refreshing, Cove prepares the appraisal on Retail Replacement Value, the basis insurers actually schedule against.
Alerts before renewals.
Every work stays monitored. When something moves enough to matter, you hear about it before the renewal locks in another year of yesterday's numbers.
Your insurer sees the schedule.
Permissioned access means your broker and insurer work from the same record you do, seeing the schedule and nothing else, always current.
Cove is not an insurer and does not sell insurance. Your broker places the coverage; the record makes sure it is placed against reality.
A policy is only as good as the record behind it.
Condition reports filed against each work. Locations tracked when something moves. Provenance documented before a question of title can surface. The unglamorous records are the ones a crisis asks for.
A collection that is fully known is simply harder to lose things from, in every sense.
The other doors.
Find out what the gap looks like.
Share a few details. A member of the Cove team will reach out to schedule a demo, and a look at how your current values compare to your coverage.
Thank you.
A member of the Cove team will be in touch shortly.