“We’re sensitive to the frustration collectors feel when homeowners coverage disappears. WAX stands in the gap, offering reliable protection no matter where you live—because we believe every collector deserves security.”
— Richard Vinhais, CEO
Implications for Collectors
Reduced coverage: If your home policy is cancelled or drastically cut, your collectibles may no longer be insured.
Higher premiums: Remaining carriers raise rates to offset risk, making it costly to increase coverage limits.
Geographic vulnerability: Collectors in high‑risk states may find homeowners coverage unaffordable or unavailable.
WAX’s Solution
Independent policies: WAX coverage is not tied to your homeowners insurance, so collectibles remain insured regardless of home policy changes.
Nationwide availability: WAX operates in all 50 states, including areas with limited insurer participation.
Customizable terms: Adjust deductibles and limits to manage cost while maintaining adequate protection.
Claim separation: Filing a collectibles claim won’t jeopardize your homeowners policy.
Real‑World Case Study
After a hurricane forced their insurer to cancel policies across the Gulf Coast, one collector’s home policy was non‑renewed. They turned to WAX to protect their art and wine collection independent of homeowners coverage. Meanwhile, a neighbor who relied solely on homeowners insurance lost valuable antiques when his coverage lapsed and had no means of recovery.
Frequently Asked Questions
Q: Does WAX operate in Florida and Louisiana?
A: Yes. WAX provides coverage in all states.
Q: If my home policy is cancelled, will WAX drop my coverage?
A: No. WAX policies are independent.
Q: Can I insure my art without homeowners insurance?
A: Yes. You can purchase a standalone WAX policy.
Ready to protect your collection?
Collectors can request a quote in minutes through WAX’s digital platform, and brokers can contact us to help clients maintain coverage despite volatile homeowners markets.
