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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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Inside Look at One Woman's Journey Into Quilting

Sunny Morton may be best known for her public speaking and writing in the world of genealogy, but she is also a self-taught quilter. And while she credits YouTube with her skills, the creativity, technical prowess, and perseverance this craft demands really suggest her quilting skills say more about her than any online video.  

We love origin stories and now having watched Sunny Artifct and share quilt after quilt on Artifcts (@SJM), we were excited on this National Quilting Day to give you all a glimpse into one quilter’s hobby and the heart and story behind her craft. No artist’s journey is like another, and you’ll discover below the heart connection in every quilt she makes. 

The Origins of a Quilter

“I got started six years ago with a t-shirt quilt for my oldest son when he graduated from high school. Well, not just t-shirts, I suppose. I worked in his varsity school letters, too. He loved it and took it away with him when he moved out,” Sunny recalled, before smiling and offering a self-critique. “I used the wrong kind of stabilizer, so the shapes turned out a bit wonky. But I’ve gotten better, way better!”  

a t-shirt quilt

With three kids to practice creating those t-shirt quilts, Sunny had plenty of t-shirts to experiment. The second one was for her son Alex’s high school graduation.

“He is an engineering student with an artistic mind, so he helped design his quilt,” she said. “He played on the same soccer team for years, so he made the repetition in the quilt blocks more interesting by making those blocks smaller and lining them up together. He has variously gone by his first and middle names—John and Alex—so one clever block combines three different shirts to spell out his entire name. And I definitely did a better job on the quilting.” 

In Sunny’s most recent t-shirt quilt for her youngest, her daughter Seneca, not only did she get the stabilizers right, phew, but the materials she had to work with made for a unique design, too.  

“It’s all a single-color scheme because my daughter wanted me to use only the shirts and skirts from her school uniforms. I integrated the woven plaid skirt pieces and sewed down the pleats to add texture. It’s gorgeous.” 

We agree!

a pleated skirt square in a t-shirt quilt   messages on t-shirts in a quilt

And thus, in just three quilts, you’ve learned a bit about Sunny and what connects her to her art. But why quilting? Read on! 

An Artist Emerges to Meet Life's Challenges

Let’s face it, YouTube videos will only get you so far in your artistry. Hands on instruction and comradery fill in critical knowledge gaps for any artist. Frankly, that’s true across professions. Can you imagine a surgeon who has never laid hands on a patient under the direction of an experienced surgeon?  

In Sunny’s case, her hands-on training came through quilting retreats with women who were generally much older than her and, notably, retired.

A quilt for myself: Denim buffalo check

“They’d look at my work and say, ‘Um, let’s try that differently,’” said Sunny with a laugh. “They were so generous with their knowledge and opinions, for better and worse.” 

For Sunny, quilting became a way to connect with her family and other quilters as she’d slowly gather the materials for her quilts and dream of future designs. But it also became an outlet to manage the many stresses in her life, a life with complex health challenges surrounding her and her loved ones, as well as her grief for those she’s lost.   

“When my brother passed away unexpectedly, I holed up in my house for a year, creating two quilts for his daughters. It was cathartic. I needed that tangible outlet for my grief and to feel connected to him and to my nieces.” 

Remembering Sam McClellan quilt   Remembering Sam McClellan quilt  

Sunny was quick to point out that it’s not only the cathartic nature of quilting that drives her. She also treats her time quilting as a reward in a busy season of life.  

Sunny works as a professional genealogy educator and content creator, in addition to being a wife, mother, and caregiver. So, when she’s working a lot of hours—never in her craft room—quilting is the reward waiting at the end of the day. With piles of textiles lying in wait, she can sink into her passion and emerge from the other side refreshed and with something to show for it, too.

A Family Honor: The Fundraiser Quilt 

Sunny’s quilting life is still in its early innings and yet it already has a happy interlude. Her family has a unique enduring tradition that’s all about THE quilt. For decades, her husband’s grandmother crafted a quilt each year to raffle off at the family reunion every Labor Day weekend. The proceeds help fund the following year’s gathering.

In the summer of 2023, Grandma announced her retirement. And she decreed that Sunny would be the future family quilter. “It was a ‘gasp’ sort of moment,” recalled Sunny, “Intimidating but what an honor. I thought long and hard about what this family would want. They are very patriotic and with a lot of veterans in the mix. Ultimately, I chose to quilt a compilation of American flags.” 

Flag of American quilts with the quilter posing next to it

This quilt was unlike any other Sunny had created. Maybe it was the intense desire to win over Grandma (and the rest of the family), maybe she was ready for the challenge, or maybe it was both of those combined with an artist’s eye for something truly unique.  

No matter the motivation, the result was beautiful. “One of the family’s veterans, Nathan, bought so many tickets, he was sure he would win. At the very last moment, a cousin’s wife who had arrived late purchased her tickets—and she won! She is also a caregiver for a loved one with special needs, and I admire her. It was both funny and touching to see her beat out Nathan.” 

“And then when I got home, I made Nathan a smaller version and sent it to him as a surprise.”  

What will Sunny create next? You can follow her on Artifcts (@SJM) to see for yourself! 

Happy Artifcting! And happy quilting.

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© 2025 Artifcts, Inc. All Rights Reserved.

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Aspirational Clutter & Your Closets: What is Aspirational Clutter, and What Will You Do With It Next?

Have you heard of aspirational clutter? It’s the stuff you buy, collect, or otherwise hold onto with intention of some future use. Or maybe it's for some future version of you and the life you plan to lead.

Aspirational clutter can exist anywhere and everywhere in your home. Take the kitchen, for example. How many cookbooks, special pans, unique spices, and gorgeous serving vessels do you keep with the intention of expanding your cooking repertoire and hosting more events in your home?

For others, many many others, the bedroom closet is an absolute magnet for aspirational clutter. For this reason, you even commonly find references to this sort of ‘stuff’ in popular books. For example, the NYC-dwelling lead character in best-selling author Jodi Picoult’s book, Wish You Were Here, lamented her inability to let go of her shoebox full of art supplies when she pivoted to a career in art sales with Sotheby’s. But it was not only art supplies.

“The shoebox came with me, still unopened. I set it on the highest shelf of my closet, behind sweatshirts from college I no longer wore but couldn’t bear to donate to Goodwill, and the winter hiking boots I bought but never used, […]”

(By the way, Artifcts is a perfect digital shoebox for the valuable and sentimental items you collect alike.)

Here are more examples of aspirational clutter that find cozy homes in our closets:

      • Clothing that ties us to a special moment in our own story or we’ve outgrown or matured beyond, but we tell ourselves maybe one day we could wear again.  
      • Accessories, like gorgeous silk ties and cufflinks, clutches and stilettos, and more for fancy events that we never attend. 
      • Everything for the wrong climate. If you live somewhere in which winter’s scarcely a month long and snow is a once in a lifetime event, how many sweaters, sweatshirts, mittens, snow boots and spare down comforters do you actually want to make room for?  You may dream of vacations or a return to cold living, but is storing this all for years if not decades practical? 
      • Kits and crafts, maybe you bought them, maybe they were gifts, but you’ve never picked it up or kept it up. Maybe it’s time to let go in favor of a hobby that is you?

Closet Tales from Texas & Wisconsin

Our co-founder Ellen who lives in the heart of Texas recently emptied every single thing that belonged to her from her master bedroom closet. Her goal was simple: LESS. She reported that she felt depressed by the end by what she saw as so many aspirations unmet as well as waste, articles of clothing barely or never worn, “Because I just never felt good in it or never had the right occasion for it. It's no different than buying framed art for a wall or a pillow for a couch because you love them and then you realize, you really have no space for it.”

As depressing as it was, there were nice moments, too. Ellen saw in her items so many lives she’s lived.

“I literally found a maternity shirt I wore when I was pregnant with my daughter 14 years ago. Ha! I also realized I still owned the suit jacket I wore to my first interview at the CIA nearly 20 years ago. I really thought I had already gotten rid of it.”

When we asked what one tip she has for anyone undertaking a rightsizing of the contents of their closet, she said it was important not to let yourself off the hook. “I was smart to lay it all out on and around our bed because it put a clock on my work. We couldn’t sleep if I didn’t get through it.” Her sorted piles ended up looking like this:

      • Sell 
      • Donate, “But first you can bet that I Artifcted that suitcoat from my CIA interview!” 
      • Wash and/or repair (and then keep)
      • Keep 
      • Trash 
      • Give to my daughter/neighbor/friend 
      • Recycle, “Especially all those hangers! I was able to return some to my local dry cleaners and the rest to Goodwill. I also marked a bag ‘Textiles for recycling,’ that could not be sold and gave that to Goodwill, too.”

More than 1,000 miles away from Texas, tucked in their new home away from home in chilly Wisconsin, a member of the Arti Community undertook a similar closet downsizing effort recently. But her efforts were precipitated by a change in career and a move from DC to Wisconsin.

Her biggest challenge? What to do with all those formal work clothes! They still fit, that was not the issue, but would she need them now? Suits, heels, and designer handbags, oh my! They meant enough to her to make the move, but now that she was staring at the ever-shrinking space in her new closet, did they warrant the space?

Her silver bullet was unexpected: her husband! Weeks of hemming and hawing, combined with a healthy dose of “do-you-really-plan-to-wear-that-up-here" questions from her husband helped her decide to sell the pieces that were sellable (thank you, The RealReal!) and donate the rest, but not before she Artifcted them. She now has the memories of the clothes, and what they meant to her, safely stored in Artifcts, AND a lot more closet space for all those cold weather necessities.

Before we conclude this ARTIcles edition, we want to know, what items are the tough stuff in your home, the hardest to let go? Please let us know at Editor@Artifcts.com. We'll update you next week on the results!

Which category of stuff is the tough stuff for you to declutter

Happy Artifcting!

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© 2025 Artifcts, Inc. All Rights Reserved.

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Trio of New Features | March 2025

Today we’re excited to share a trio of new Artifcts features with you.

Over the course of eight in-person conferences during 2024 and approximately 80 hours of interviews, we discovered ways to fine tune your Artifcting experience to support you even more both during and after you’ve created those Artifcts.

As always, we placed ease-of-use and privacy at the heart of each new feature.

Thank you for being a part of the Artifcts journey. Let’s explore the latest!

Private Notes 

As it turns out, sometimes you want to share your Artifcts with others, but you want to include details in your Artifcts that you’d prefer to keep to yourself. So, what’s one to do? 

Now at Artifcts you have an optional field titled, 'Private notes.' It’s exactly as it sounds. Whatever you type there will not be visible to others if you share the Artifct. The exception of course is if you give someone “Full Control” over your Artifct (versus the default “View” access or other “Edit” access).

This new field is on the “Full form” when you create or edit Artifcts, directly after the “Story or Description,” making it a natural extension of what you have to say about anything you Artifct. 

private notes field on Artifcts

Customizable Reports  

It was professionals in appraising and estate management who first approached us about downloading customized reports on Artifcts. Later, this request was seconded by professional home organizers and move managers. Finally, individuals, several of whom were working on their wills, asked for the same. 

Now you can create custom reports, no matter your “why.” When you click 'Download,' you’ll be prompted to select the fields and related files you want to download, too, ensuring you can download only the information you need, when you need it.

As shown below, we’ve simplified matters by choosing the Artifct title and description by default, offering a "Select all" option, and reducing your download size by allowing you to exclude photos, videos, and documentation when you do not need them. 

pop up window providing options for which Artists details you want to download

Artifcts Up Next Report 

We consider this saving the best for last: the new Artifcts Up Next report.

The truth of the matter is that at the end of the day, digitizing the stories and financial value by creating Artifcts addresses one set of needs, but you still must deal with the physical stuff in the room, sorting it and often re-homing it, too.

When you Artifct, there’s just one optional field we show you on the 'Quick form' because we think it’s that important. It’s called 'In the future.' As the name suggests, we urge you to consider what’s next for everything you Artifct. Your options are: 

      • Sell. You can even set a custom reminder and Artifcts will email you.  
      • Bequeath. Adding details to whom is optional. 
      • Donate. Here, too, adding details is optional. 
      • Keep in the family. We hope your “Description or story” offers a compelling reason. 
      • As you wish. Meaning, “I won’t haunt you. Don’t keep it in storage for the next 30 years on my account.” 
      • It’s too late. Enjoy the memories. I already got rid of it. Do not go looking for it. 

When you download the new Artifcts Up Next report, it will give you a checklist of all your Artifcts, sorted by the ‘In the Future’ category. You can then work through the list yourself, with family, or with an organizing, estate, or move management professional to get the ‘stuff’ where it needs to go next.

example report showing items to bequeath to loved ones

 
 
This is just a snapshot of a sample report, showing the Bequeathed section, guideline, and the type of Artifct information you'd find listed.

 

We have an open door!

Is there something you wish Artifcts could do or help you with? Is there a feature driving you a bit crazy or confusing you in any way? You can write us a Support@Artifcts.com. And be sure to catch up on past product updates, too!

button to jump to past product updates with Artifcts

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Helpful resources as you get started and continue enjoying Artifcting:

Quick Start Guide

Inspiration Lists

FAQs & Videos on YouTube

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© 2025 Artifcts, Inc. All Rights Reserved.

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