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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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How to Prepare for a Move Without Losing Your Mind (Or Your Child’s Lovey)

Our co-founder Heather is getting ready for her fourth move in five years. At this point, you'd think she'd have moving down to a science. 

Spoiler alert, she doesn't. 

The thing is, even if you've moved multiple times, no one prepares you for the inevitable chaos. The boxes all start out neatly taped and labeled. Then somehow, hours later you find yourself surrounded by a sea of cardboard, balled up packing tape, and a child on the verge of a meltdown screaming "Mom, where's Shimmering Star?" For the record, Shimmering Star is the stuffed bunny you repeatedly reminded said child NOT to pack in a box and instead carry in their day pack.  

Bonus points if your spouse simultaneously chimes in with, "Honey, where'd you put the coffee maker?" while the dog is desperately looking your way with his patented, please-tell-me-you-remembered-my-kibble-mom look.  

Moving has a remarkable way of making even the most organized person question every life choice that led to accumulating so much...stuff. 

The good news? While you can't eliminate every "Where's the XYZ?" moment, you can make the entire process dramatically easier by getting organized before you pack your first box. 

It's tempting to start packing as soon as you know you're moving, but taking the time to declutter and organize first will save you time, money, and stress. Even better, it's the perfect opportunity to preserve the stories and details behind the belongings that matter most with Artifcts. 

Step 1: Declutter Before You Pack 

Why pay to move things you no longer need, use, or love? 

Every box you eliminate means less to pack, less to transport, less to unpack, and less to find a home for in your new space. Decluttering before a move also gives you a fresh start, allowing your new home to reflect your current lifestyle—not years of accumulated "just in case" items. 

If you're wondering where to begin, consider tackling items like: 

  • Duplicate kitchen gadgets and cookware
  • Clothing that no longer fits or hasn't been worn in years
  • Expired pantry items and medications
  • Old paperwork and manuals that can be securely shredded or recycled
  • Broken electronics and tangled cords
  • Outgrown toys and games
  • Decorative items that no longer match your style
  • Boxes of forgotten keepsakes you've been storing "for someday" 

Our article, 108 Objects to Declutter from Your Home, offers even more ideas to help you make meaningful progress room by room.  

As you sort, remember that decluttering doesn't have to mean losing the memories attached to your belongings. If you want to keep the memory of those keepsakes while maybe not the actual items, take a moment to snap a photo and create a quick Artifct in our App. You can always go back and add the details later.   

 

Step 2: Organize What You're Keeping and Artifct Before You Move 

Once you've decided what deserves a place in your next home, resist the urge to immediately start boxing everything up. This is the ideal time to organize and Artifct your most meaningful possessions. 

Think about family heirlooms, artwork, collections, antiques, military memorabilia, jewelry, childhood keepsakes, vintage toys, furniture, and other objects that tell the story of your life and your family. Heather also likes to Artifct anything that is or has the potential to be breakable, which with a 75-pound golden retriever underfoot is quite a long list! 

Before those items disappear into moving boxes, take a few minutes to: 

  • Photograph each item.
  • Record its story, history, and significance.
  • Note its current condition.
  • Attach any appraisals, receipts, or insurance information. 

Not only are you preserving memories, you're also creating a digital record that can be invaluable later. 

No matter how careful your movers are, accidents happen. Boxes get crushed. Furniture gets scratched. Artwork can be damaged. Sometimes items are even lost. 

When you've already created an Artifct, you have: 

  • Photos showing the item's pre-move condition.
  • Documentation of identifying features and provenance.
  • Purchase information or appraisals when available.
  • A centralized place to store supporting documents. 

This information can make insurance claims much easier should something unfortunate occur during the move. 

 

 
 
 
 
 
Our co-founder Heather Artifcts anything breakable before a move as life always has a way of happening...

And for the items that simply can't be replaced—a grandmother's quilt, a handwritten recipe book, a child's first artwork, or your grandfather's military medals—you'll always have their stories preserved, regardless of what happens to the physical object. 

After you've decluttered, organized, and Artifcted what matters most, packing becomes far more intentional. You'll know exactly what you're moving and which items require extra care. Instead of simply moving boxes, you're moving the pieces of your life with confidence—and protecting both the objects and the stories they carry. 

Let Go Without Losing the Story 

One of the hardest parts of moving or downsizing is deciding what to part with. Matt Paxton, author, television personality, and longtime advocate for helping families through life's transitions, beautifully captures why Artifcts changes that experience: 

"Take a picture, tell the story in Artifcts, and you can donate it away. The story lives on, and the memory lives on, and the person lives on. You don't need the item to do that." 

When the memories are preserved, letting go of the physical object often becomes much easier. Families can confidently donate treasured belongings, knowing the stories behind them remain accessible for future generations. 

Make Your Next Move Your Most Organized One Yet 

Moving is more than changing addresses. It's an opportunity to decide what deserves space in your next chapter. 

With Artifcts, you're not just preparing for moving day. You're protecting your memories, simplifying insurance documentation, making downsizing easier, and ensuring that the stories behind your most treasured belongings live on for generations to come. 

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Looking for more ideas on how to Artifct during or after a move? One of our Artifcts community members, who grew up in a military family, shared that they Artifct the house they are moving from prior to the move so that they will always be able to remember what the house (and rooms!) looked like. We love this idea! Sometimes Artifcting those big items (like a house, car, etc.) may not seem obvious at first, but they are just as important as the small items we tend to Artifct most.

© 2026 Artifcts, Inc. All Rights Reserved.

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Travel Without All the 'Stuff'

The Dalai Lama may have put it best, “Once a year, go somewhere you have never been before.” To some, that may be trekking halfway across the world; to others, it may be a day trip one town over to try out a new restaurant or hike a new trail. Travel need not be far flung to be enriching and rewarding. 

Here at Artifcts, our team members are avid world travelers and adventurers. We are also big fans of carry-on only travel and being able to pick up and go as plans change. This often means that space is at a premium, and not all desired souvenirs make the cut for the return trip home. Our children know this too well, as often the first question asked before making a purchase abroad is, “Do you have room for it in your backpack?” Notice we said backpack, not suitcase.  

In the outdoors world, there is a concept (and organization) called "Leave No Trace" which calls on travelers to be conscious of the effects their actions may have on plants, animals, other people, and entire ecosystems. There are seven principles that guide and inform leave no trace, and include: 

      • Plan ahead and prepare
      • Travel and camp on durable surfaces
      • Dispose of waste properly
      • Leave what you find
      • Minimize campfire impacts
      • Respect wildlife
      • Be considerate of other visitors 

We’d like to be so bold as to add an eighth to the list: Artifct where you’re at.  

We know firsthand that the memories and sun tans will fade, and that the little details that seemed so crystal-clear months ago will one day be a jumbled mess. Our co-founder Heather discovered that neither she nor her husband could recall all the hikes they did on their honeymoon in Italy; thankfully for them, they had saved their hikes in AllTrails and were able to recently piece together Artifcts from their honeymoon seven years ago, combining photos and videos from the hikes, the AllTrails maps, and their favorite memories and stories from the trip. 

We have also seen how souvenirs, once home and put on a shelf or tucked away in a drawer, are often forgotten or fall victim to time, breaking, crumbling, or fading. How many of us are living with those “please-mom-this-is-all-I-want" travel mementos that are no longer remotely interesting to said child?   

We have also found ourselves traveling in places that don’t always lend themselves to souvenir shopping. Several summers ago, Heather ventured off to Greenland for a week-long hiking adventure. Much to her delight, she did not encounter a single souvenir shop during her time in the Greenlandic wilderness.  

Ready to Give Leave No Trace Artifcting A Try?

Leave No Trace Artifcting is a simple and fun way to relive those much-loved travel adventures, while also saving space, money, and lessening your environmental footprint. Want to give it a try? We’ve put together these four easy tips to get started:  

      1. Pick an object. It could be Arctic flora you’ve never seen before, a favorite sunset, or even an interesting sign or mural discovered exploring a new city. 
      2. Take a photo and add video or audio, too. Trail maps, video snippets, even museum signs, all make for great add-ons.   
      3. Add a short story. You can always add more when you get home (or when you're inevitably stuck at the airport waiting for your flight that was supposed to depart hours ago).
      4. Save and you’re done! Want to share the love and memories? Privately share with family and friends or create a Circle to share near and far. Add a custom tag or two to quickly find the Artifcts from your favorite trips.  

 
Intrigued and want to try #leavenotrace Artifcting but worried about depriving the local economy of much-needed tourism dollars? One of our Artifcts Community members shared with us what they do—they Artifct on the go, and then when they get home (sans a suitcase full of souvenirs) they donate to a local charity they discovered while traveling. It sounds like a win-win to us! 

As you head out on your next adventure, or relive recent summer journeys, pause, and ‘Artifct that’ souvenir, memento, or memory from your trip. Your future self will never regret taking a moment to tell the story behind THAT photo, THAT t-shirt, or THAT travel treasure. 

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Check out other Travel related ARTIcles by Artifcts:

Artifcts + Travel Go Better Together

Preserving Your Best Travel Memories

Have Passport. Willing to Travel

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© 2026 Artifcts, Inc. All Rights Reserved.

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Preserving Waterville Valley's History, One Artifct at a Time

At Artifcts, we often say that every object has a story. Whether it's a family heirloom, a piece of artwork, a treasured photograph, or a well-worn pair of hiking boots, the real value lies not only in the item itself but in the memories, people, and history connected to it. 

That's why we're especially excited about our partnership with the Waterville Valley Historical Society, an organization dedicated to preserving and sharing the rich history of one of New Hampshire's most beloved mountain communities. 

A Shared Mission of Preservation 

When members of the Waterville Valley Historical Society (WVHS) first learned about Artifcts, they immediately recognized the potential of the platform to help make their collection more accessible to the community. Historical societies often serve as stewards of remarkable local stories, but finding ways to organize, document, and share those stories in engaging and sustainable ways can be challenging. 

Artifcts offers a different approach—one that preserves not just artifacts, but the stories behind them. As Patty Furgal, President of WVHS said, "Sharing items from the Historical Society's collection with Artifcts was so much easier and faster than attempts at sharing them via adding images and descriptions directly to our website. No technical expertise in website design or graphic design is needed."

By creating digital records that combine photographs, historical details, family memories, and contextual information, Artifcts helps ensure that important pieces of history remain connected to the narratives that give them meaning. Furgal also added, "We can easily create different online ‘exhibits’ using simple tags," such as #WatervilleValley or #FabyanLorenzAdamsCollection

Bringing Local History to Life 

Among the first artifacts added to the Society's collection is a fascinating group of historic footwear donated by longtime resident Jerauld Adams. 

 

The shoes once belonged to members of the Fabyan and Lorenz families, two families whose stories are intertwined with the early history of Waterville Valley. Even more remarkable, the footwear was discovered inside the home Adams purchased—a house originally occupied by the Fabyan family in the early 1900s and later by the Lorenz family. 

At first glance, these shoes might seem like simple objects from another era. But when paired with their stories, they become tangible connections to the people who helped shape the Valley's history. They invite us to imagine daily life in Waterville Valley generations ago, the challenges residents faced, and the community they built. 

 
 
 
 
 
 
 

This is exactly the kind of storytelling Artifcts was designed to support. 

Creating a Living Community Archive 

Historical preservation is no longer limited to display cases, filing cabinets, and archival storage rooms. Today's digital tools allow organizations to build living collections that can grow over time, welcoming new contributions and connecting community members through shared stories. 

The Waterville Valley Historical Society's Artifcts collection represents more than a catalog of objects. It is becoming a dynamic archive of local history—one where artifacts, photographs, documents, and memories come together to paint a richer picture of the Valley's past. 

 

 

As new items are added, the collection will continue to reveal the people, places, and experiences that have shaped Waterville Valley across generations. 

Explore the Collection 

We are honored to support the Waterville Valley Historical Society as they embark on this exciting new chapter in preserving and sharing local history. 

Their growing Artifcts collection demonstrates how technology and community stewardship can work hand in hand to ensure that meaningful stories are not lost with time. 

 

We invite you to explore the collection, discover the stories already preserved there, and follow along as new pieces of Waterville Valley history are added in the months ahead. After all, every artifact has a story. Together, we're making sure those stories endure. 

In the greater New England area, or planning a road trip this summer? Stop by the Little Museum at the End of the Road (seriously, the road ends in Waterville Valley) and view the collection in person. 

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This collaboration is particularly meaningful for Artifcts co-founder Heather Nickerson, whose connection to Waterville Valley stretches back decades. Having grown up skiing in the Valley and recently returning with her own family, Heather was delighted to support the Historical Society's efforts.  

© 2026 Artifcts, Inc. All Rights Reserved.

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