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Can Fur Apparel Be Insured?

Morris Kaye vintage fur coatsAs we always say here at Morris Kaye & Sons, your fur coat is an investment! You should strive to treat it as such from the moment of purchase. Wear your fur proudly, pour a solid amount of time and funding into its care and keep it safe so you (and others after you) can continue to wear and admire it for many years to come. Following these tasks will take the proper know-how on what to look for in a fur coat, as well as how to clean and store it. However, there’s another option for protecting your fur that many do not consider: insurance. Fur, much like any other expensive or even priceless item you own, can be insured with the help of the right company and process. Keep reading to learn how to obtain the best possible protection for your vintage fur coats!

All About the Expenses

One of the most important factors when choosing an insurance policy for your real fur accessories is finding a plan that fits into your budget. Consider the cost of your fur apparel as you seek out the best plan. The overall value of your apparel (however much you may be seeking to insure) directly influences how much you can expect to pay each month for your insurance plan. If you have $5,000 worth of fur apparel to insure, you will generally have to pay less than someone with $10,000 worth of fur apparel.

You should also consider any natural risks that come with living in your area. For instance, is your state or city especially prone to earthquakes, flooding or other natural disasters? If so, the occurrence of these events could easily place your real fur accessories at risk—which guarantees a higher monthly premium rate.

How Coverage Works

You can create an insurance policy for designer or vintage clothing; vintage fur coats naturally qualifies under the latter category, if not both. Should your apparel wind up damaged by a natural disaster, your insurance policy will ensure your ability to get those damages repaired and corrected. Most policies will cover getting your fur coat cleaned in the event of a disaster, as well as any other repair costs; all of these services will also be taken care of only by seasoned professionals.

If you cannot repair a damaged coat, you can file a claim to instead have the coat replaced by another coat of similar value. You can even make plans with your insurance company to figure out what to do in the event of disasters or other emergencies, so you know how your fur apparel will be taken care of well in advance.

The Morris Kaye & Sons team is here to help you care for your coat as extensively as possible. We provide full-fledged, professional storage and cleaning services year ‘round to ensure your coat remains in good condition and well-protected. Contact us to learn more about our services and how we can help you care for your real fur accessories.

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