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A standard homeowners policy wasn't built for a cellar worth six figures. Temperature events, transit losses, and breakage during a move are exactly the scenarios where generic coverage falls apart. We place policies that account for how wine and spirits are actually stored, moved, and valued.
Cellar Coverage
Investment-grade Bordeaux, allocated releases, aged single malts, and limited edition spirits all require scheduled coverage at current market value. We work with collectors to document holdings properly so a claim reflects what your cellar is actually worth, not what you paid for it years ago.
Sommelier Security
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