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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, 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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Oldies-But-Goodies: Summer Reading List from the Artifcts Archives

If you're anything like us, you probably have your favorite newsletters piling up in your inboxes all week, all month, all quarter long. We know how great they are, loaded with useful information, new research, fun tips and more, but the days can be so full. And we want to devote our attention to them, so we save them and wait until we have more time. Is summer that time for you?

If ARTIcles by Artifcts is new to you or piling up from your busy days and months, we’ve compiled a few of our favorites from over the years into your next summer reading list, perfect for your next roadtrip, airplane ride, or other adventure over your summer holidays.

While creating this list made us a bit nostalgic, it also reminded us why we’re here – helping us all to transform our relationships to our ‘stuff’ and to each other, one memory, one story, one Artifct at a time. Enjoy!  

Artifcts Co-founder Heather Nickerson’s Summer Reading List 

USE ARTIFCTS TIMELINES TO ENRICH YOUR FAMILY HISTORY

Have you tried keeping track of your family history? Although I'm a 12th generation Nickerson, I am allergic to genealogy apps or any type of software that makes me feel like I’m embarking on a senior thesis project. Artifcts Timelines however are a (nice cool summer) breeze. Read now -->

A FAMILY HISTORY IN FIVE ARTIFCTS 

When push comes to shove, could you tell your life story in five Artifcts? Which Artifcts would you choose? I’m not sure I could, which is why I love this piece. Read now --> 

STUCK IN THE MIDDLE WITH STUFF: THE SANDWICH GENERATION

These days I'm feeling more like a panini than a sandwich, trying to plan for yet another move with all our 'stuff' while working full time at Artifcts. This one speaks to all of us who are trying to juggle kids, parents, four-legged dependents, and our jobs, and not always in that order. Read now --> 

A VIRTUAL IMPOSSIBILITY OF KEEPING UP WITH ALL MY DIGITAL PHOTOS 

Guilty as charged. This will be mandatory reading for EVERY family member this summer as I refuse to pay for yet another upgrade to our Apple storage plan. Read now -->

15 DECLUTTERING TARGETS FOR ARTIFCTERS

It's actionable, and as my youngest used to say, “Chop, chop!” I think my father is secretly looking forward to a couple of extra helping hands this summer as we tackle the basement with this list in hand. Read now -->

Artifcts Co-founder Ellen Goodwin’s Summer Reading List 

SOUNDS OF SUMMER – VINYL EDITION 

Music is magical. We use it to teach. We use it to celebrate and recover. We even use it to reconnect with loved ones who have been robbed of so much by dementia, but the powerful memories of music bring them joy. What music would make your ‘best of’ cut? Read now -->

FROM RARE ART TO FAMILY HEIRLOOMS: TIPS FROM A MASTER AS YOU CONSIDER SELLING YOUR ‘STUFF’ 

Too often we are our own worst enemies, procrastinating, inflating expectations, and worse when it comes to downsizing and decluttering objects we own. We've taken to heart the perspective and truths that Antiques Roadshow host Lark Mason shared with us from his decades of experience working with families as they auctioned away pieces of their family history. Read now -->

FIVE LESSONS FROM ARTIFCTING WITH MY MOTHER (+ The Epilogue!) 

Artifcting is about connection, one on one, in groups, as communities. This story comes from the heart, offering guidelines to make the most of your time Artifcting with your loved ones. Read now --> 

PINT-SIZED PERSPECTIVE ON DECLUTTERING & MOVING 

It can be hard to be 5, 6, or 7, or any age under 18 really. So little control over nearly everything! This article is about bringing kids into the decluttering and downsizing game to give them back some control as you prepare to move. Don’t miss a more recent article on this theme from our friend Matt Paxton, too. Read now --> 

HOW TO TAKE PICTURES OF OBJECTS AT HOME 

The team at Artifcts wants to support you as much as possible, every step of the way. So when our members ask us for tips—like how to take nice pictures of ‘stuff’—we do everything we can to respond and help. Aesthetics matter! Details matter! If you want to level up from our at-home advice, we collected photo tips from a pro, too. Read now -->

We wish you all the best over these summer months. Happy reading, happy Artifcting!

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© 2025 Artifcts, Inc. All Rights Reserved.

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Who Wants Your Family China?

Last week while out walking my dog, I ran into a neighbor. As usual, we started chatting, and 20 minutes later my dog had given up and laid down realizing the walk was on pause.

My neighbor had just returned from a trip to see her son, daughter-in-law, and grandbabies out in Utah. During her visit, she updated her family on some remodeling and upgrades at the family home in Austin. As a part of this process, she’d been required to relocate items around the house to make room for the contractors to do their thing.

By actually picking up and taking stock of items she hadn’t even thought about in years, and being an avid fan of Artifcts, she paused to think, “What is all this? Why am I holding onto it? What am I going to do with it next?”

She told her son she planned to donate the family china sets—yes, plural—and probably even old leaded crystal glasses and bowls that had fallen into disuse. “I know you don’t want my stuff. I read about it in the paper every day. I get it.”

Except, she was wrong.  

Her daughter-in-law did not see it as sentimental clutter, as many her age tend to do. She intsead chimed in, "Didn't one of the sets belong to Alex's great grandmother?“ It had, and her daughter-in-law said, "In that case, I want it. It’s family. Same goes for the crystal.”

Future Options for Your China Set

The irony, according to my neighbor, is that while her daughter-in-law may want her china and crystal, shipping it will be expensive, and it will almost certainly sit in their storage unit in Utah. They live in an adorable bungalow where there’s no space for china.

“I hope I can take it to them myself the next time I take a road trip out to see them. Somehow it makes her feel good to hold onto it. That’s fine by me as long as I don’t have to!”

If your china set has fallen into disuse, think carefully through your options:

Sell

We think that for you to make the best decision, you need all the facts. If you intend to sell your china, do not expect it to be a major money maker. Better to be okay with “something is better than nothing” even if we all know there are wild exceptions out there in the world, like these ceramic plates that sold for over $25,000 at auction.

A simple online search can give you an idea of what your set is selling for in the current market. Because of shipping costs, you’re likely constrained, but for some china (because of the designer, pattern, or quality) shipping may not a barrier. You might discover a single plate will sell for $85 or $3. Check around with sites like liveauctioneers.com, eBay, Etsy, and 1stDibs.

Some online marketplaces, such as Replacements.com, buy china to then sell it off piece by piece to people who are looking for replacements for their set. But read the fine print. Some sites make quotes pending receipt of the items, and then once they receive the items, they could reduce their offer. And the price a piece sells for is going to be substantially different from what they pay you. Know this and be okay letting it go.

Family and Friends 

You really do have to ask!

Do not assume that no one wants it.

Ignore those news headlines.

You might have a friend, neighbor, or loved one with a desire for your china. But avoid attaching strings to that gift. If you give away your china, and they then turn around and break up the set, transform it, or eventually get rid of it, no harm, no foul!

Keep a Few Pieces 

If you’re feeling sentimental or even guilty about letting go of something that was a part of so many family occasions or was originally expensive to purchase, holding onto a few pieces of the set might help you let go of the rest. Perhaps you keep only the tea cups, only the dessert plates, or a platter and/or serving bowl. That can sometimes be enough.

For others of you, you may decide that you need still less. A single cup can become a decoration on a shelf. Or you can use it bedside to float a candle or a single flower.

tea cup and saucer on stack of books

Donate

Donations can be difficult for china. They take up a lot of space and are naturally delicate. Call your local charities and thrift stores to see what they are interested in before you pack it up and haul it over.

Create

If you are the crafty type, we’ve seen creative options for smashing china and setting it into paver stones for gardens and pathways. Others carefully break, arrange, and 3D frame pieces for stunning and creative textual art. 

Artifct That 

You might decide you’re keeping your china, because you’re enjoying using it or simply looking at it. You might decide it’s out of here, tomorrow!

Either way, Artifct that to record its history, like our co-founder Heather did for the china set inherited from her mother-in-law.

Artifcting your china, or any piece of it that you are partial to, and sharing that Artifct can open up conversations you never expected. Sharing might also help you complete the “In the future” field in your Artifct.

Here are some tips for making future plans for your china:

      • If you want that china to “Stay in the family,” make sure they understand why through the story you provide in the Artifct.  
      • If you plan to sell it, great, choose “Sell,” and set a reminder for yourself and Artifcts will email you to help keep you on schedule.  

option in Artifct form to set a reminder to sell an item 

      • If a loved one sees the Artifct and is in love with the china set, fabulous. You can indicate “Bequeath” and to whom. 
      • Selling it tomorrow? Mark, “Too late! Already gone. Enjoy the memory.” to save your loved ones from a frustrating scavenger hunt. 

No matter your plans for your china, make them known to your loved ones, and prepare yourself to let it go to a new home.

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© 2025 Artifcts, Inc. All Rights Reserved.

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How to Get Your Kids to Help Clear Out the Clutter 

They do say, "The proof is in the pudding," and this weekend my sons found out that Artifcts is the way to get through the 'stuff' and out the other side to the lives they want to be living.

Our mission on Saturday was to clear out a corner of our garage so we could create a small gym for our family. Standing in our way was a bunch of clutter, almost exclusively the sentimental type, and some of which belonged to each member of our family.

I do this for a living, clearing out homes, and knew a few strategies to help us get the job done, and done better. Chief among them is using the Artifcts app to keep track of what goes, what stays, and why it mattered to us.

I kicked off our cleanout effort by Artifcting my old skateboard. My Lance Mountain, Powell Peralta skateboard from 1988. This board was more important to me than most. I saved my money for it, I purchased it, and it was my only means of transportation for two summers.

Artifct about an old skateboard

 
 
CLICK THE IMAGE to check out Matt Paxton's Artifct about his childhood skateboard, told while riding said skateboard one last time.

That board has been with me for 35 years. Odds of me riding it again and avoiding serious injury or sudden death are slim. It was time for it to go. Even though I’ve been downsizing other people’s homes for decades, it’s always special when it’s my items, with my kids. I still get excited when they ask me questions about my childhood.

Then it came to boxes belonging to my boys with childhood 'stuff' in it. You know the stuff - ribbons, artwork, school papers. Someone thought it was special and hung onto it but now even my boys only got a laugh out of it and wanted to recycle it. My son Temple was totally into recording the story behind some of his more creative efforts, and photographing it all, before tossing it.

Child's artwork - a pizza slice

 
 
In a humorous and insightful twist of events, when my wife—who has literally written the book on practical minimalism for families—found out we Artifcted Temple's pizza slice and recycled, she was distressed. "No one asked me!" See, it can be hard to let that sentimental stuff go, even for the pros! Artifcts gave her solace.

What could have been a fast, let's ditch everything, so sorry we can't keep it all effort, turned into a great morning together. Beyond great. Did you listen to what he said in his Artifct? Pure gold to this dad.

And we're left with a clear garage space and a collection of new Artifcts to remember it by. In the end, my youngest son said, “This is cool! We should Artifct more ‘stuff’,” and I said, “Yes, Temple. We should.” And we will… 

Bottom line: Artifcts works. Try it for you. Try it for them. Try it free today at Artficts.com. Let them know Matt Paxton sent you.

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© 2025 Artifcts, Inc. All Rights Reserved.

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