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Arti Unlimited and Professional members can use our new AI-boosted ARTIAssist to enhance their stories and memories with historical and factual details about the items they Artifct.

Insurance & The Art of Artifcts

November 20, 2024

Creating an Artifct is often a joyful experience, sometimes it is also cathartic, and for many Artifcting has become their preferred means of planning for their today and for their future. Insurance fits into that final category of Artifcts: preparedness. 

As you update your policies or renew in the new year, consider: Do you have enough insurance coverage for your valuables? Are you over insured? Do you have the documentation necessary to file a claim if mother nature, theft, or an accident forces your hand? Is an appraisal needed for a valuable item in your collection? 

Ironically, in a 2020 poll from the Insurance Information Institute, fewer homeowners reported having a home inventory than a decade prior, despite increased familiarity with and options for digitization of photos, documents, and more as well as a proliferation of inventory apps for home goods and collections.

In 2020, fewer homeowners reported having a home inventory than a decade prior, despite increased familiarity with and options for digitization of photos, documents, and more as well as a proliferation of inventory apps for home goods and collections.

It’s human nature to avoid the negative, the improbable, and any issues that aren’t about today. But here at Artifcts, you’ll not only be able to create a record of items that are of greatest value to you, but in the process, you’ll have the opportunity to enjoy reliving and sharing your stories and passions with others and document irreplacable items, too!

Artifcts to Support Insurance 

When you create Artifcts with insurance coverage in mind, there are a few best practices to guide you. 

      • Photos and video. Take advantage of the five photos and/or videos you can add to each Artifct. Take a picture of the object as a whole, take another picture of a maker’s mark, if any, and then photograph the item from other angles. We also strongly encourage you to record and include a short video of the object, showing it from multiple angles. 
      • Documentation. Take a moment to find the receipt, appraisal, certificate of authenticity, or, if nothing else, a credit card statement that can help validate the original market price paid and the authenticity of the item. Attach it to your Artifct. When you acquire new items of value or collectibles, we recommend you Artifct That on the spot, when everything you need is at hand. This is a habit that will serve you well! 
      • Provenance. Where did it come from? Why do you have it? What does it mean to you? Even if you have only family lore of where an older item came from, record that in the “Description or story” of the Artifct.  

If you purchased it, describe where and when you were when you acquired the item and what makes it valuable to you. No, sentiment is not a qualifier in appraisal or replacement value, but it will be important to helping you get the right coverage and setting your own expectations for items you value.  

      • Add optional details. In your Artifct, click to view the “Full Form” and include how old it is, when you acquired it, and the marketplace or artist it’s from to facilitate an appraisal and any future insurance claims. We also strongly encourage to add its current physical “location.” And tag the item, e.g., #insurance, to easily sort your Artifcts by items you have, or want to have, added to your policy.  

Determining the Value of Your Belongings 

If you’re not sure of the value of an item in your collection, but suspect it’s valuable and want expert insight, you can Artifct That and then click “What’s it worth?” to share the Artifct and its supporting documentation privately with Heritage Auctions. They will assign your Artifct to the appropriate expert to review.  

You will receive a notification automatically in a few weeks when the free valuation is ready. You’ll find the valuation report in the documentation section of your Artifct. With the information from the valuation in hand, you can decide what to do next.  

Here's an example: You inherited a clock from your grandfather. You love it because it reminds you of him, always positioned on the bookcase next to his favorite reading chair, and you know he brought it with him to the United States from his homeland, Japan. The free valuation from Heritage Auctions informs you that that clock, in that condition, from that maker, in today’s market would go for between $18,000 and $22,000.  

You may think to yourself, “I better get an appraisal and confirm that it’s covered by my insurance policy.” Or you may think, “I loved Grandpa, but that clock is not that valuable to me. I’m going to sell it and use that money for {whatever you like}.” 

Before you sell a family heirloom or anything you value, you should consider these tips from Lark Mason, an expert in Chinese art and antiquities and frequent host on Antiques Roadshow. Read now! 

Insurance: Fact or Fiction 

We’ll close out this focus on Artifcts for insurance by revisiting our popular “Fact or Fiction?” discussion we had last fall with Howard Insurance, a private insurance advisory and risk management firm, about how to protect your ‘stuff’ from the chaos and mayhem that is life.

We invite you to test your knowledge with our "Insurance: Fact or Fiction" quiz, and then see what the experts have to say. (Hint: Answers are below.) We hope each point will build your confidence to take the necessary steps to protect all you cherish! 

      1. I need an appraisal to insure an item separate from my homeowner's policy.
      2. My homeowner's policy will pay to replace items even if my jewelry, antiques, silver or fine art has appreciated in value.
      3. All homeowners' policies are the same and include the coverage for everything in my home.
      4. Coverage for my personal trust is automatically included in my homeowner's policy.
      5. All homeowners' policies include coverage for mysterious disappearance.
      6. My personal property coverage is worldwide.
      7. Coverage for my personal property includes water damage, hurricanes and floods.
      8. There is no deductible for losses to my personal property.
      9. Filing a claim for my personal property will not impact my homeowner's premium.
      10. Mysterious disappearance coverage is included automatically on valuables policies. 

As the fact-fiction quiz reveals, picking the right policy or combination of policies is critical to protecting your ‘stuff,’ and worth a conversation with your agent. Watch the video replay with Howard Insurance for the full details behind each of these fact or fiction questions. 

Happy Artifcting!

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© 2024 Artifcts, Inc. All Rights Reserved.

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Your Future Family Heirlooms

What is a family heirloom other than some object that someone decided was important in some way and decided to keep it and pass it along to another family member. That’s it. For what it’s worth, Webster’s dictionary agrees with us – and it all hinges on the word “special.” 

: something of special value handed down from one generation to another

No one ever said family heirlooms have to be financially valuable or historically significant.  

A family member might have an inkling that an heirloom carries with it some history. But then again, even if so, how will you gain access to that history? Usually it’s a conversation, a sticky note, a journal that’s also hopefully passed along. We can do better. We need to do better. 

Artifcts and Heirlooms Go Hand-in-Hand 

Each Artifct you create carries the potential of heirloom status. How you may ask? Many ways, including: 

By creating awareness that this object even exists, or that it has some interesting origin or story, you increase the probability someone will care about it and claim it as their own. It’s no longer just ‘stuff.’  

One of our Artifcts members thought her china set was doomed for the Goodwill bin. However, when she Artifcted it and shared the story with her family, she had children and grandchildren eagerly offering to take it off her hands. Why? Because it wasn't simply a china set that she had received as a wedding gift as long assumed. No, it was a set she purchased while stationed overseas in sub-Saharan Africa as a newlywed under instruction from the US Ambassador that, "Martha, you need a china set for 12 because you are going to start hosting diplomatic dinners." Who would have thought!

Because it wasn't simply a china set that she had received as a wedding gift as long assumed

By serving as a unique digital asset, a digital heirloom. Someday, your loved ones can inherit your Artifcts collection and the stories, memories, and more captured in each Artifct will live on. If you haven't already done so, simply designate your primary and secondary legacy contacts for your Artifcts account to ensure your heirlooms live on for generations to come. 

By creating new family heirlooms from existing ones. One of the earliest examples of this that we saw here at Artifcts was Grandmom's rolls recipe from the early 1900s that was reborn and brought out for everyday enjoyment when engraved in her mother's handwriting on a cutting board.  

One of our favorite tips for Artifcting future family heirlooms is to include a photo of a family member using, wearing, or otherwise enjoying the heirloom-to-be. It helps connect the dots between the object and your loved one, and adds context and visuals to the story or lore. 

What family heirlooms are you the keeper of? Do you have many? Artifct them today to ensure those heirlooms and their stories make it to the next generation. 

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Heirlooms on your mind? You might enjoy these related ARTIcles by Artifcts: 

Gift Your Loved Ones a Why

Estate Planning of Things

How to Artifct Family History and Heirlooms

Grandma’s Secret, Not-So-Secret, Coin Collection

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© 2025 Artifcts, Inc. All Rights Reserved. 

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Family History Month ... Your Way!

We’ve all heard the expression “greeting card holiday,” sometimes even used against one of your personal favorites. So many love-hate relationships out there with national days for everything from your dog to your sibling to coffee and doughnuts.  

Then there are the months generally preserved for themes of broad societal significance, like heart health, black history, hispanic heritage, and even family history. Hello October, and hello Family History Month!

This October we’re sharing a few ideas from the Artifcts Community to help even those of you who may think you have no interest in family history to find some value in a month dedicated to exactly that. Use the month as an excuse or opportunity to get to know and capture your own family history and legacy a bit better.

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Hello, Family Genealogists (And Those In the Making)

An Artifcts community member once lamented to us, “I’ve spent so much time and money researching all of this history, and I have the files, but I really haven’t taken that next step to share with my extended or even immediate family. Without me they’d have to start over.”  

And then she told us that all her research is locked up behind a subscription-paywall. Hmmm. If you can relate, here are some tips to help ensure your family history is not lost to the next generation: 

  • Purchase a second research subscription for someone who can pick up the research alongside you to carry it forward to the next generation. Guide them through the myriad of resources online and through special archives and libraries as well as in your own family collection. If you have a tech-savvy grandchild in the family, this may be the perfect way to spur intergenerational connection AND keep the family history/research going. 
  • Take a class or catch a speaker! You can find a plethora of them by searching online or go local. Check your library, community center, museums, or local genealogical society for special events this month (and beyond). Confernce Keeper has a wonderful listing of genealogy related conferences and events, a lot of them for free too. Share what you learn with your family and friends. 
  • Create a family videography to highlight key moments in your family’s history, roles family members have played in historical events, and the modern-day family branches. For beautiful, professional videographies, we adore Lori and her team at Whole Story Productions.  
  • Self-publish a book(let) to document your research findings in black and white. Distribute during a family reunion, taking preorders (and payments) ahead of time. If you need an assist in your family history, we recommend our partner at Legacy Tree Genealogists
  • At Artifcts you can share the family history behind old photos, cherished heirlooms, even Grandma's china! Your family members need not be Artifcts members to view the Artifcts you share with them. Want to make sharing your Artifcts with your family even easier? Create family invite-only circles for easy group sharing, and off you go! We recommend using a special tag like #NickersonFamilyAssociation to easily sort your collection. Some of genealogists at Artifcts also use the ‘Location’ field when they create an Artifct to list a URL or folder path where additional information is stored. 

Memorable Family Dinners, Recipes, and More

You’ve been away from home for months or years, you return, and as you walk in the door, dinner is on, and you get that first smell of your favorite dish. Do you have the recipe? Who came up with it? Do you know the key steps? Special or secret ingredients?  

Some family favorites are born directly out of the original farm-to-table concept, before it was so hip, and those origins become a key part of the family recipe story. You grew potatoes and found a million ways to prepare them. You had fresh citrus, wild asparagus, or vibrant rhubarb all around you, and the specialties of your youth reflect it. Capture that history! 

  • Start a virtual family dinner club. You could create a group online to swap recipes or go a step further and once a month someone is the virtual host. Send the recipe ahead (as an Artifct!) so everyone has the ingredients on hand. Then run your own cooking show and enjoy the meal together after. 
  • Collaborate on a special family recipe cookbook. Ask each member of your family to contribute their favorite recipe AND the story behind it. How did it come into your family? Are there any secret ingredients? Who made or makes it best?  Create a cookbook that builds all the family history and the stories that go with those recipes. You’d be surprised, but even one generation removed, family members will start to lose track of the details never mind the actual ingredients or instructions. 
  • At Artifcts recipes, cookbooks, and treasured kitchen objects come alive through stories and histories, but also with supplementary video and audio snippets. Artifct your favorite recipes, add a video snippet of a crucial step, and share with your family. Our co-founder Heather Artifcted her mother's cranberry sauce AND included a video to show her teenage daughter how to know when you've got a good batch of cranberries. 

Share the History

The reality is not all families have a family keeper, that person who by choice or default holds onto the heirlooms, photos, recipes, and slew of documents that represent generations of a family’s history. Or maybe you are the last keeper or recent inheritor of all this family history and are thinking, “Now what? I really don’t want this stuff.” 

There’s a second reality that is important to recognize: family history is not only family history. Sometimes family history is part of local, national, or even global history. It offers clues to key figures, ways of living, and the social, political, and religious practices of a place in time. So, consider sharing pieces of your family history with the world through donations. 

  • Philanthropic donations. Consider galleries, libraries, research centers, foundations, and museums with specialties that may overlap with your items. Donations are not necessarily only in the realm of inherently valuable objects. Often, you guessed it, the story behind the object is the key. Don’t know the story either? That’s okay. Reach out to an institution, share your items, and give them the opportunity to tell you!  
  • Archival donations. Transform your personal family history into elements of a shared community history by offering your items to professional archives. What types of items might fit this category? As a starter: original works of fiction or non-fiction; scrapbooks, journals, letters, and diaries; original business materials (certificates, advertising, shares, board documents, voting records); media (photographs, slides, film, even websites too). You can learn more at the Society of American Archivists
  • At Artifcts, before you donate, Artifct the items to retain the family lore and history that’s relevant to you, and then share with family. Make sure no one else is interested in the item before you donate it, and attach any documentation related to your donation to the Aritfct. You can then rest easy knowing your family’s history will be in the capable professional hands of institutions that will preserve and protect them for generations to come. 

Let's Talk Wills and Legacy

Hear us out. Wills may be about death, but they are also all about easing the burden on those we leave behind. We all too frequently ignore the items we've collected over time. And, no, they will not sort themselves into piles to sell, donate, or bequeath. First someone must go through it all, a family member or two, or maybe a specialist hired to help. And in the end, someone will have to make 1000s of decisions about what becomes of every single item. Do you really want to leave a burden as your legacy? 

Wouldn’t you rather everyone be better prepared and informed? Not only will making a plan and creating documents make it easier for your family to pick up the pieces, but they can also help loved ones understand why you valued the items you are leaving behind. We've got some tips to help:

(Dramatically) Simplified checklist: 

  • Don’t have a Will? There are many wonderful estate planning attorneys in each community who can help you with this process. But this is an industry transformed by the digital revolution, and then some. If you are looking for a digital, self-guided approach, check out our fellow AARP AgeTech Collaborative partners at Trust & Will.   
  • Haven’t really seen your Will in a while? Give it a checkup. There's no time like the present. Add it to your to-do list this month! 
  • Confirm: Are the major themes covered?  
        • Estate 
        • Minor children 
        • Relatives with disabilities 
        • Retirement 
        • Powers of Attorney 
        • Living Will 
        • Stewardship of digital assets (profiles, accounts, photos, web pages, etc.) 
  • Is there a list of tangible assets referenced in your Will? Your Will may provide for a separate “Memorandum” that can be updated and changed at any time without making any changes to your Will.  
        • No list? Start. Just take a first cut by looking around the house (or your Artifcts collection!). 
        • Already have a list? Double check that it covers at least those items of greatest financial or heart (sentimental) value. 
  • At Artifcts, pick three or four of your most treasured items to Artifct and let your loved ones know why each item matters to you. Use the "In the Future" field to think through and record what you would like to happen to this item one day. Will it be passed down? Rehomed? Sold? Consider sharing the Artifct with your estate planner or attorney to list with other tangible assets referenced in your Will.   

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Artifcting Starter Resources 

We have all sorts of helpful resources that we want to be sure you know about to take the pressure off and let the fun begin: 

Inspiration Checklists

Videos on YouTube

Artifcting Quick Tips

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© 2025 Artifcts, Inc. All Rights Reserved.

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My Photos, My Memories

Feeling overwhelmed by your ever-increasing digital photo collection? Not sure what to do with the boxes and boxes of physical photos you’ve either collected or inherited over the years?  

Chances are you are not alone. We take photos to capture a memory or moment in time. We keep photos not because of the actual photo (except in rare circumstances) but because of the memories and emotions they evoke.  

This leaves most of us with an ever-growing collection of photos, some of which take up valuable space in our homes, and others that take up valuable space on our devices. It also leaves us with a lot of snapshots in time, but very few documented memories, stories, and the like for our loved ones.  

As we wrap up Save Your Photos Month, we’d like to propose a challenge—over the next five days, pick a photo a day and Artifct it along with the story, memory, and maybe even the reason WHY you love that photo.  

Over the next five days, pick a photo a day and Artifct it along with the story, memory, and maybe even the reason WHY you love that photo

You don’t need to have a paid Artifcts account to take part in this challenge—anyone, anywhere can join. Sign up for free today and get Artifcting! We all have photos and memories worth preserving. 

You also don’t need to overthink it. Five photos. Five stories. Five pieces of you that are now documented and preserved for generations to come.  

After looking at her own post-move mess of photos, frames, boxes, and a soon-to-be collection of 15,000 digital photos, our co-founder Heather decided to give it a go. Her photos, her memories.  

My Favorite Childhood Photo 

This photo has survived more moves than I can count. It’s one of my favorite childhood photos—I have no recollection of the moment, but it always makes me smile.  

 

Dad & Me. Age 3. Click to view the Artifct. 

I can feel the late Fall sunlight, smell the salt air, and remember the stone step to my childhood home, Briar Bog Farm. My father’s LL Bean flannel shirts, and my purple overalls. I always wore those overalls. Purple was my favorite color after all.  

I shared this Artifct with my daughter and her first response (via text) was, “OMG we look so much alike!” Her second response was, “I didn’t know you liked purple.” And her third, “Did I have a pair of purple overalls when I was younger?” Before I could answer I got the “GTG don’t want to be late for class.” One photo shared, one memory saved, and a new story made. 

You Surfed?!? 

Yes, I surfed. Way back when you could still barter blueberry muffins for a surf lesson or two and a ride out to Cisco Beach in a beat-up Ford van.  

 

Surfing and surfboard photos. Click to view the Artifct

It was the summer between my sophomore and junior years in college. I was working three jobs (bar tending, tutoring, and nannying) but it did not matter. I lived to surf. Any and every free moment was spent on the beach, surfboard in tow. I would (and often did) gladly sacrifice sleep for surfing.  

I smile every time I see these photos. They are a snapshot in time of a crazy, wonderful, totally unexpectedly perfect summer.  

And Miles to Go Before I Sleep 

This is one of the few photos I have printed and framed over the past ten years. My daughter and dear spouse have even asked on occassion when I was planning to replace the stock photo that came with the frame for a “real” photo. 

Sorry to disappoint, but this is the “real” photo. It’s one my favorite spots in the White Mountains, a boardwalk passage across a high-altitude swamp along the Zealand Falls Trail. 

 

And Miles to Go Before I Sleep. Click to view Artifct

Growing up, Robert Frost’s poetry was a constant companion. Whether out for a walk or repairing the paddock fences, there was always a quote or two at hand. Whereas some children are drilled in their ABCs and 123s, I was drilled in verses of one of New England’s most celebrated poets.  

I printed and framed this photo because (1) I love the majestic beauty of the White Mountains, and (2) it is a constant reminder that I have “miles to go before I sleep, and miles to go before I sleep.” It’s my little reminder to myself that like any good hiking trail, life is best taken one step at a time.  

Girls Just Wanna Have Fun 

This is a private Artifct, and for good reason! The stories, the memories, and the laughs. Always the laughs.  

 

Go Caps! Sorry, this Artifct is private. 

The photo though is one of my all-time favorites. I framed it the moment I got it, and that framed photo has graced every desk I’ve had since, pre-COVID and post-COVID. My daughter recently took a good look at it while helping me unpack and said, “Wow, you and Aunt G still look exactly the same!” That in and of itself made me smile.  

She then wanted to know the story behind the photo, hence one of my newest Artifcts. She knew it was me and Aunt G in the photo, but she didn’t know the story or even where the photo was taken. Small moments create bigger memories. 

Marry Me?  

This too is going to remain a private Artifct, but the photo is worth a thousand words. And yes, there are a thousand-plus words in the Artifct to back it up.  

Do you have one of those photos that makes you smile every time you see it? That it puts you in a good move no matter what? That’s what this photo does for me.  

 

Marry Me? Sorry, this Artifct is private.

It was taken the afternoon my now-husband proposed. We were in Telluride for the Blue Grass Festival. He proposed earlier that morning while out on a hike. I was so surprised it took me a moment to answer.  

After I said yes, he wanted to know what I thought he was going to ask. I told him, “I thought you were going to ask if I was hungry and if I wanted pizza!” Well, this photo was taken post-hike and post-pizza, right before we settled into our spots for another night of amazing bluegrass music with the San Juan Mountains as our backdrop.  

Like my favorite childhood photo, I can still feel the sunlight hit my face every time I look at this photo.  

Your Turn! 

Which five photos will you choose to Artifct this week? What five stories will you tell, what five memories will you share?  

Remember, don’t over think it. If you’re not sure where to start, look at your framed photos. Chances are they are framed for a reason! Still stuck for inspiration? Check out our Rescue Those Photos! checklist for some ideas to help you get started.  You can also check out our tips on How-To Artifct That Photo

Remember, photos can’t talk, but you can. Start telling your story today. 

 

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© 2025 Artifcts, Inc. All Rights Reserved.

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