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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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Holiday Photos: Preserving the Cheer Without the Chaos

The holidays are a magical time of the year, gathering with family and friends, cozy décor, laughter, and if you happen to live in the Northern climes, maybe even snow! The holidays also usher in a whole new level of photo taking, prompting us to click, click, click, capturing hundreds (or thousands) of photos, often without thinking twice about it.  

Our co-founder Heather knows this all too well after going through her Thanksgiving photos and realizing she had not one, but ten photos of their Thanksgiving turkey (don’t judge, it was a great turkey!) and an equal number of photos of the family golden retriever staring lovingly at said turkey.  

 

How many turkey photos does one need? 

After the holiday season ends, we often end up with a digital dump of images and duplicates scattered across camera rolls, phones, and cloud backups — a holiday-photo graveyard that’s all but impossible to navigate. 

If that sounds familiar, you’re not alone. What usually starts as a handful of precious snapshots quickly balloons into a chaotic archive. But with a little intention, especially during or right after the holidays, you can turn that chaos into a meaningful collection of memories. 

Below is our fresh take on how to approach holiday photo overload, including some practical steps to help you stay on top of it all. 

Why Holiday Photos Are Valuable AND Vulnerable 

Holiday photos often capture more than just “how things looked.” They freeze moments of connection across generations — grandparents visiting, kids tearing into gifts, old friends reunited, traditions revived. Over time, these pictures become priceless glimpses into how we celebrated, who was present, what mattered then and why. 

Yet the very things that make holiday photos valuable also make them vulnerable: 

  • They tend to accumulate — many gatherings, many cameras, many people snapping at once. 
  • They’re easy to ignore after the fact — several months and 10,000 photos later and they are lost in the shuffle (or at least our camera rolls).
  • Without a structure, future you (or future family members) may never see them — even if they matter deeply now. 

That’s why this holiday season is a great time to get intentional with your photos by curating, organizing, and preserving them before the memories fade into chaos. 

A Holiday-Photo Workflow: From Snapshot to Keepsake 

We’ve come up with a simple process to handle holiday photos in a manageable, meaningful way based on multiple conversations with our friends and colleagues at The Photo Managers: 

Capture freely — then cull deliberately. 
During events, allow yourself to snap liberally. But once things calm down, either right after the holiday or within a few days, go through the photos. Delete obvious duplicates (the Daily Delete app can help!), bad shots, and images that don’t evoke anything special. This way you keep the “keepers” without the clutter. This delete-as-you-go-or-soon-after mentality is highly recommended when dealing with large photo collections. 

Organize by date and event. 
Now that you have your “keepers,” create a folder structure, for example: Holidays → 2025 → Thanksgiving, or Holidays → 2025 → Christmas Party. This simple hierarchy makes it easier to find photos later and will keep future generations from having to guess “who was that and what were they doing.” Our friends at Mylio make it super easy to create a digitally organized catalog of all your favorite photos.  

Back it up. 
"Honey I accidentally deleted our holiday photos," is a conversation starter no one wants to hear. Once you’ve organized your collection, ensure you have safe copies of the photos that matter most. Use external hard drives and/or cloud storage to help guard against accidental deletion and any unforeseen events such as natural disasters. 

Celebrate! Share, print, or Artifct your favorites. 
Pick a few favorite moments to highlight — maybe for holiday cards, a printed album, or just to brighten someone’s day. Sharing keeps the memories alive, and printing or Artifcting gives them permanence. Check out our How-To Guide to get all our tips on Artifcting and sharing your favorite holiday photos.  

Why This Matters  

The holidays often involve many people, fleeting moments, and near-identical shots, and without culling, you end up with chaos. A well-structured collection ensures you (or your family) can revisit or even pass on not only the photos, but the stories and memories that go with them too.  

If you're feeling overwhelmed by your holiday photos take a few minutes (or even just one evening) to start. You don’t need fancy software or perfect editing skills. Start with what you have: a folder, a computer, maybe a cloud backup. By doing a little bit now, you’ll save yourself hours (or days) later and ensure that your holiday memories don’t end up lost or forgotten.

May this season bring warmth, laughter, togetherness, and a photo archive you’ll be proud to revisit for years to come.  

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© 2025 Artifcts, Inc. All Rights Reserved.

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The Great ‘Stuff’ Transfer: Avoid the Clutter and Preserve Your Legacy

The wealth being passed down from Baby Boomers isn’t just dollars — it’s decades’ worth of ‘stuff.’ As we enter what many call the Great Wealth Transfer, the children of Boomers are discovering that a big chunk of what they inherit comes in the form of physical objects: collections, vintage items, and sometimes things nobody quite knows what to do with. 

Our Co-Founder, Heather, discovered this firsthand after losing her mother and having to sort through SO. MUCH. STUFF. 

What’s Actually Being Inherited 

According to a recent Bloomberg article by Chris Rovzar, as much as $90 trillion in assets will change hands over the next few decades. But alongside financial assets lie a mounting inheritance of physical belongings. We're talking about antique furniture, sterling silver flatware, model trains, Hummel figurines, cut-crystal glassware — even miniature pianos. 

Some of these items carry deep sentimental value. For others, not so much. The result? Many heirs feel buried under a mountain of ‘stuff’ they didn’t necessarily ask for. 

Why There's So Much ‘Stuff’ 

Collectors never stopped collecting. Boomers who built their collections over their lifetimes didn’t always see them as clutter. Their passions were real — and they hoped their kids would appreciate them too. 

As we age, many of us may want to downsize. But instead of letting go, we hold on to beloved items or leave the bulk to the next generation. Matt Paxton, star of both Hoarders and Filthy Fortunes, and Advisor to Artifcts sees this daily as he and his team help families downsize and somehow deal with all the ‘stuff.’   

We are also great at avoiding tough conversations. Not all families talk about what to keep and what to let go of. Without clear plans, decisions fall to the children — who are often under emotional stress. 

The Impact on the Next Generation 

For many Millennials and Gen Xers, dealing with their parents’ estates isn’t just a financial task — it’s deeply emotional work. Rovzar describes cleaning out a parent’s house as “upsetting, stressful and deeply sad,” but also cathartic when you find unexpected treasures like a long-lost recipe or beloved childhood memento. 

On the practical side: 

  • Storage is becoming a challenge. Some families use storage units to hold inherited objects, which can be costly. Self-storage is a $59 BILLION dollar industry in the US alone.  
  • Selling isn’t always easy. Vintage doesn’t always mean valuable. Many items have limited resale markets.
  • Keeping the legacy feels heavy. Not every object has a clear inheritor, and not all heirs want what their parents collected. 

What Can Be Done — Thoughtfully 

Do you find yourself or your loved ones staring at the oncoming ‘stuff’ tsunami and not sure what to do? We asked experts across the organizing, downsizing, and photo management industries on how to navigate this transfer of stuff: 

Have conversations early. Parents and children should talk about what matters, what doesn’t, and what to do with sentimental vs. practical belongings. 

Prioritize what to keep. Not everything needs to survive for another generation. Choosing key heirlooms can help reduce clutter while preserving meaning. Check out our guide to Swedish Death Cleaning to help you purposefully choose which possessions to hold onto and which possessions to rehome or let go of altogether. 

 

Hot cocoa mugs Our Co-Founder Heather kept these vintage hot cocoa mugs after her mother passed--not for the financial value but because of the memories. 

Be realistic about disposal. Items that don’t hold value may be donated, recycled, or sold. A professional estate sale service can help. Learn more about estate sales and other online options for selling items in our Everything You Need to Know Before Heading to Your First Estate Sale ARTIcles story. 

Document provenance. If a piece has real historical or monetary value, keeping a record helps with future decisions and may make it more meaningful. It can also help your heirs not be “the ones” who accidentally donate a Picasso to Goodwill.  

Why This Matters 

This isn’t just a story about stuff — it’s about generational legacy, memory, and how we value our lives through objects. As wealth moves from one generation to the next, what we inherit isn't just bank accounts; it’s a tangible piece of who our parents and grandparents were. 

For many heirs, sorting through these items is more than a transaction. It’s a way to understand their loved ones, decide what to carry forward, and gently close chapters in a responsible and emotionally respectful way. 

As you look around your home — or your parents’ if you happen to be heading home for the holidays— notice the items that hold meaning: 

  • The broach worn on a wedding day
  • The tool passed down from a grandfather
  • The ticket stub from a once-in-a-lifetime concert
  • The odd little figurine that always sat on the mantel 

Those keepsakes aren’t just things, they’re experiences, memories, and connections waiting to be captured. Take a moment to Artifct those items, capture the story, the history, and all the little details that make you smile, laugh, or remind you of your loved one(s). Give future generations the context they need — not just the clutter, because the real inheritance isn’t the ‘stuff.’ It’s the life stories and memories behind it. 

Still with us? Extra credit if you use our “In the Future” field to tell your heirs what to do with the item when the time comes — keep, donate, sell, bequeath, or “as you wish.” Lift the weight of uncertainty before it ever lands on their shoulders. 

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© 2025 Artifcts, Inc. All Rights Reserved.

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A New Family Tradition for the Holidays that Won't Cost a Dime

Who doesn’t love the board games, flag football, and annual viewing of movie favorites like Miracle on 34th Street, The Grinch, and Home Alone over the holidays with your family?

Get ready to make some new traditions, have fun with your family, and avoid awkward conversations like, “Have you seen Aunt Dot's new hairstyle?” Instead, you'll get to enjoy more of those, “I never knew that about you!” moments! We’re putting a spin on those traditions of togetherness with Artifcts, to help you AND your family save and share the memories and laugh-out-loud stories from holidays past and present. 

New Family Memories and Traditions with Artifcts 

We asked some of our most avid Artifcters, “How do you Artifct with family” and distilled the rather humorous stories we heard into a step-by-step process anyone can do whether you're hosting your crew this holiday season, or traveling across country (or next door!). Bonus, not only can these steps be used during your next holiday gathering, they also work great for you next family reunion too. 

#1. CREATE YOUR FREE ARTIFCTS MEMBERSHIP

If you're going to use Artifcts to preserve and share the memories and stories, you're going to need an account. Sign up free in 30 seconds, start to finish. Already have an account? Fabulous! You can skip to step #2.

#2. DECIDE ON A THEME

Give your family a focus for all those stories and memories. Here are some ideas to get you started, but we also offer free checklists to inspire you. Some families even send a link to the checklist/theme they choose ahead of the family gathering!

  • Recipes. Request modern family favorites to expand your repertoire. Or stick to oldies but goodies that have been passed down through the years. Make sure you include those "secret" ingredients too. 
  • Photos. “Oldest” and “funniest” competitions could be fun. One person told us last year they used, “Rarely do you see so many of us together,” types of photos and it was a blast. So many long-forgotten photos, and so many family members. Go for it! 
  • Family treasures. Maybe they’re family heirlooms or sentimental pieces created by your kids. Maybe they're mementos purchased while traveling and make for a good story. One family told their loved ones to each bring a cherished item to be Artifcted after Thanksgiving dinner. The result? A virtual timecapsule to be enjoyed for years to come!  
  • Going, going, gone. This one made us laugh and came from a reader after our recent “Epilogue: Family Keepers” story. The idea here is that if you are holding on to family heirlooms, antiques, or similar items, and you don’t really WANT to hold on to them, Artifct them to let others know so they have a final chance to call “Dibs!” 
  • All things sports. This final example was from a family of running enthusiasts. Maybe your family is made up of musicians, artists, or travelers; same idea applies. This family Artifcted photos, running bibs, and race medals from the year, including videos of each of them crossing the finish lines. Personal best in a 5k? Awesome! 

 

Running bibs from 2025Keep the memories, but maybe not every last running bib from the past year. 

#3 ADD FAMILY MEMBERS TO YOUR ARTIFCTS "NETWORK"

(This step is optional, feel free to skip to step #4)

You need only each person's name and email. You can make it easier by filling in this template and then returning to your Account Settings > Content & Network > Network and clicking “Import” to add them all at once.

Don't have their email addresses? Text, call, or post a message wherever you and your family communicate to ask them to create an account on Artifcts.com and then send you their screen name. You can easily add them that way too.

#4 CREATE AN INVITE-ONLY ARTIFCTS CIRCLE

Create an Artifcts Circle (we have a help video, too!) to easily unite and organize all the Artifcts your family creates and shares. Add each family member to it by: (a) selecting from your list if you completed step #3, (b) typing in their email address directly, or (c) emailing or texting them a link from your circle - they will have a week to accept the invite and you can always send a new link if needed.

      • You can choose, per person, to let them invite others or to make another person an “admin” who can add AND delete others. 
      • In the “About” section, describe for your family what this circle is for, e.g., “Let’s gather up and share favorite recipes for the holidays.”  
      • Then click to invite them and leave a comment, e.g.:

“Please create a free Artifcts account so we can swap recipes this year and not lose them in email or texts! Tag them #Thanksgiving2025. Bonus points if you add a funny short video snippet or audio file! Don’t forget to click share and choose this Circle or we can't see it. Call me if you need help.” 

You can always edit the Circle details, image for the Circle, and members, so don’t worry if you forget something (or someone) or have a change of plans.

 

Artifcts Circle exampleOur Co-Founder Heather's Artifcts Circle from Thanksgiving 2022. 

#5. CREATE YOUR ARTIFCTS & PICK YOUR MOMENT

When will you set aside time to share and reminisce about all your new Artifcts from your family? Maybe as the dinner is cooking or perhaps after dessert, you each take a couple of minutes and share the Artifcts you created and added to the Circle. You may discover new details, photos, and related stories you’ve never heard before!

Best yet, once your family starts Artifcting and sharing with your new Circle, they can contribute all year long! Next year you can pick right back up or choose a new theme to capture your family's history.

Togetherness and Remembrance this Holiday Season 

We want to acknowledge and talk about another facet of the holidays: grief.  

We know that the holidays can be an incredibly challenging time for many of us. We’re facing them with loved ones missing for the first time or perhaps facing the end soon. Artifcts can be a powerful way to spend time together capturing memories and stories for now and later, for you and for all your loved ones. It can also make it easier to decide what becomes of all the keepsakes that we ultimately leave behind one day.  

Our free Life Preparedness and After-Loss Support Guide may offer a helpful starting point. You may also find inspiration in some of our past ARTIcles by Artifcts such as Gift Your Loved Ones a Why and The Three Things I Wish My Mother Had Artifcted.  

Consider taking the time to watch the recording from our panel discussion about new traditions for the holidays as we process our grief. Our guests, Rachel Donnelly, founder of My AfterLight and Professionals of After Loss Services, and Garrick Colwell, of Kitchen Table Conversations, brought diverse and deep backgrounds to the practical and emotional aspects of grief. 

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© 2025 Artifcts, Inc. All Rights Reserved.

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