Artifcts \ Articles \ LEGACY, PLANNING & MORE \ Insurance & The Art of Artifcts

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. 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!

###

Share With Friends

5 likes

What's New at Artifcts

The Top 10 ARTIcles by Artifcts of 2024

We published more than 70 ARTIcles and Press Center updates during 2024. That’s a lot of information, ideas, and inspiration flowing your way. As we sat down to look back at what most captured your interest, we saw organizing and decluttering dominating, buoyed by preparedness and support, too, from Artifcts’ new QR code stickers.

But we also see that the sentimental and emotional nature of the stuff we collect and accumulate weighs on our minds and opens us up to new approaches to help wade through the tough ‘stuff.’ We’d argue that’s why we also observed nostalgia-themed ARTIcles related to photos, sports memorabilia, and travel, rise to the top of the “most read” list, too.

Artifcts is so much more than an app. It’s a lifestyle. So these trends in what interests you here at Artifcts were extremely validating. We want to be there to help you with your stories and memories as well as the practical matters of life: What is this stuff, why does it matter, and what will I do with it next?

Whether reading for the first time or 10th, we hope you’ll enjoy this look back at the top 10 ARTIcles of 2024 and pick up a few reminders and tips along the way. Below we share excerpts from each and a link to re-read and enjoy.

#keepthememories #yourstoriesmatter #artifctthat #insurance #estateplanning

#10

My Family Wants Me to Tell My Stories. Help!

Feeling pressured to tell your life stories?

Has a loved one given you a questionnaire or book to write in about your life that feels like another to-do?

Are you receiving tips on how to “express yourself” or make your stories “entertaining," "thoughtful," or "compelling" and don’t really know where to begin?

(Are you the one creating the pressure?! Keep reading.) Today's article… Read the full ARTIcles story.

You may also be interested in, “Telling My Story Without the Pressure of a Memoir.”

#9

We All Deserve a Purple Bin

My semitranslucent, plastic purple bin measures roughly 10 inches by 12 inches. I chose it because it was easy to spot and distinguish from my other storage bins. Already 20 years old, I’ve transported the bin to homes in six US states. It sits quietly now, minding its own business, in my dark attic.

What’s in the bin? Hard to remember most days.

If I were to lose it or Mother Nature were to destroy it, I’d feel the pain of curiosity about my loss, but I wouldn’t be able to quantify that loss. And in all honesty, I’d get over it a lot faster than I did the destruction of... Read the full ARTIcles story.

You may also be interested in, "Why One Mom Moved Beyond Memory Boxes and Instagram."

#8

Get Stickered! Introducing Artifcts QR Code Stickers

Our new QR code stickers make fast work of sorting through and organizing all that ‘stuff.’ Once you purchase a set, you can grab your Artifcts sticker sheets, get cozy in that attic, den, basement, or maybe even family member’s home, and start Artifcting and stickering, zero interruptions to search out a printer. Before you know it, you’ll have added valuable stories to your Artifcts collection and instantly and meaningfully organized all those items.

"Our mission at Artifcts is to help you connect the stories of life with the objects that you’ve collected, accumulated, and inherited. Now with Artifcts QR stickers we’ve made it that much simpler to keep track of your ‘stuff’ and your memories, too," said co-founder and CEO Heather Nickerson.

Don't believe us? Hear from someone who's helped 10s of 1,000s of people... Read the full ARTIcles story.

You may also be interested in, "Artifcts® Platform Now Supports Publishing to Custom-Designed Books with Partner Akin."

#7

Every Room Has a Story: Kitchen Edition

Welcome to the fourth in our series of the stories of your living spaces: Your kitchen. Often the workhorse of our homes, the kitchen is also ground zero for family gatherings, traditions and oh-so-many memories and stories to go along with it all. Not to mention ALL that cabinet space, which too often ends up becoming the final resting place for long forgotten and seldom used gadgets, mugs, cookbooks, and more!

What surprises are hidden behind your cabinet doors? What memories and stories are sitting untold? What ‘stuff’ is getting in your way of the job to be done: cooking! Let’s go!

Catch up on past editions... Read the full ARTIcles story.

You may also be interested in, "Artifcts: Your Digital Cookbook Meets Culinary Scrapbook."

#6

Emergency Go Bag: Don't Forget the Memories

As spring cleaning continues and storms rage, we’re taking a moment to help you make the most of that frenzy to also boost your preparedness, a key theme here at Artifcts.

We’ve shared with you the true story of our co-founder Ellen who experienced a home fire at the age of seven and encouraged you to consider what objects in your home matter most. Whether you’re in a location prone to wildfires, floods, tornados, or other extreme weather events, preparation is key.

We also recently shared the story of a woman who proactively relocated her cherished belongings to a secure, climate-controlled storage facility out of harm’s way from the California wildfires only to have a flood... Read the full ARTIcles story.

You may also be interested in, "Insurance and the Art of Artifcts."

#5

Swedish Death Cleaning Your Digital Legacy

Swedish Death Cleaning provides a conceptual framework to encourage us each to organize and declutter our homes to reduce the burden on loved ones who would otherwise need to sift through 1000s of objects one day when we’re no longer here. We might be some of the biggest fans of Margareta Magnusson, who introduced the concept in her book, The Gentle Art of Swedish Death Cleaning, that she’s never met.💗 ...

... What ARE we talking about, “digital legacy?” Good question! Because, no, in this context, it is not about the entirety of your online life or digital assets, e.g. banking, mortgages,... Read the full ARTIcles story.

You may also be interested in other ARTIcles by Artifcts about Swedish Death Cleaning.

#4

Minimalism Techniques That Can Help Us All

A decade or so ago when Zoë Kim, of Raising Simple, began taking small steps toward a more minimalist lifestyle, it was her kitchen that was her motivator. How could she function when there was so much stuff, food stuff to use and not waste, but also stuff to fit into cupboards, wash and dry, and generally even remember to use! Why did she even have five wooden spoons when a few would do?

Fast forward to 2023. She's the mom to seven children in a blended family with her partner Matt Paxton. While he had spent nearly his entire career helping hoarders, supporting people who need to clean out their houses and others who were downsizing, he was never a minimalist. He liked his stuff, and the stuff from his dad... Read the full ARTIcles story.

You may also be interested in, "15 Decluttering Targets for Artifcters."

#3

Salvaging Water Damaged Photos

The following article includes excerpts from a true story shared with Artifcts by a member of the Arti Community and republished here with permission. May their loss help your future.

______________

Imagine yourself in this scenario: Wildfires are approaching your home. You evacuate, taking with you your most cherished possessions, including those incredibly vulnerable photos, videos, books, and family documents. You feel relief when you place them inside a climate-controlled storage unit far outside the fire zone.

Days later you receive a call from the storage facility. There’s been an accident. Your storage unit has been flooded via a damaged sprinkler system... Read the full ARTIcles story.

You may also be interested in, "Let's Talk Photo Negatives and VHS Tapes."

#2

TIME Magazine Wants You to Declutter With Artifcts

Angela Haupt, journalist with TIME magazine, featured Artifcts this week in an online article that united experts in mental health and decluttering to share tools and tactics to "kickstart a realistic decluttering routine." We especially loved this insight from our own strategic advisory board member and popular TV host Matt Paxton:

Many people struggle to declutter because they don’t want to part with items that remind them of someone or something they love, Paxton says. A simple mindset shift can make a big difference: Think of getting rid of stuff as a way of unearthing your family’s history.

A history you can then easily capture, preserve, and share here at Artifcts. Read the full story on TIME.

You may also be interested in, "15 Years in Storage: Now What?"

#1

Letting Go of Sentimental Items

Last fall Chris Stapleton appeared in a Sunday morning interview on NBC with Willie Geist. In a moment of reflection on the “how” of his music making, Chris pointed to a chair he’s used as he’s recorded all of his albums and said, “It’s home.”

We get sentimental about objects for that “home” feeling among other reasons, making it difficult to let go sometimes. These are the artifacts of our lives! Today, we’re sharing our green-yellow-red light approach to reevaluating your sentimental collections.

But, Reader, beware! If you are waiting for us... Read the full ARTIcles story.

You may also be interested in, Spring Cleaning: The Clothing Edition.

_________________

2024 is now a wrap. We look forward to seeing you back here in January!

###

Curious for more? Take a look back at the Top 10 ARTIcles of 2023, too.

December 18, 2024

FEATURED

Why Artifcts is a Go-To Present for Caregivers and People with Dementia

I recently spent time with an Arti Community member who has dementia. As you may know, the daily routine for people with dementia is generally increasingly structured as the dementia progresses to minimize stress and paranoia and prioritize all things familiar. Schedules also help the caregiver preserve their own sanity, minimizing the “new” things in a day to juggle.

As someone relatively new to the caregiver role to someone older than myself, I found that even within the normal routine, there were traps I nearly fell into every which way I turned. When you are unaccustomed to the way the brain plays tricks as dementia progresses, it’s easy to overlook complications that someone with dementia will face with day-to-day activities.

In today’s ARTIcles story, I am using the ubiquitous smart phone as both an example and as the flashing light that showed me, a founder of Artifcts, just how special the Artifcts experience and lifestyle is for caregivers and people with dementia. It’s so much more than an app.

_____________

Everyone is attached to their phones these days like they’re a vital appendage. And unless you are leaning over someone, you are not generally privy to what they are looking at on the phone.

In the case of this Arti Community member, she was checking and clearing out her Yahoo! email. In the process, she was sometimes clicking through on emails that grabbed her attention. One such email was filled with “Friend” suggestions from Facebook. To be clear, none of these people were her friends. And based on the profile pictures and names, as well as absence of connections to other legitimate friends, they should not become her friends either.

Artifcts Offers a Warm, Safe Experience

Seeking to avoid this Facebook dilemma, I was reminded of vital attributes of Artifcts that further separate it from social media, especially for those with declining cognitive health. Artifcts means:

1. 1. No ads leading you down meaningless and potentially costly rabbit holes.
  2. No algorithm encouraging you to befriend strangers.
  3. Stories, without the story burden (pesky reminders and deadlines, irrelevant questions, and the stress of a project).
  4. An activity to do together, with in-the-moment benefits and benefits for years to come, too.

Artifcts offers you bite-sized memories and stories. Your stories and stories loved ones have shared with you. We spent over 30 minutes together inside the Artifcts app reading story after story, her stories, and stories loved ones had shared with her. The stories evoked warm, safe memories and a feeling of connection with her loved ones. She added further color commentary to some of the items in the Artifcts. “Poor, Scotty, he was always losing his fur,” she remarked about a stuffed dog she's had since she was a child.

Old black stuffed dog toy with tartan plaid jacket

Revisiting Artifcted stories was relaxing for us both, the person with dementia and the caregiver. Browsing Artifcts offered a reprieve from the demands of any schedule and of treating her like a patient.

We transitioned then from browsing Artifcts to me helping her to create a few new Artifcts for herself.

Research also supports that the art of storytelling and exercising the creative and memory parts of our brains, as when we create Artifcts, are good for our cognitive health.

Artifcts are like art, no two are the same. So while creating Artifcts can evoke positive memories, research also supports that the art of storytelling and exercising the creative and memory parts of brain, as when we create Artifcts, are good for our cognitive health. And, bonus, each Artifct we created was set up to be instantly shared with her immediate family members. Those Artifcts are like little gifts arriving in their inboxes – surprise – and become tangible evidence of time well-spent together.

_____________

To all the caregivers out there, we see you and value all you do. We beseech you to sprinkle Artifcts into your days so you can just be husband and wife, mother and daughter, best friends – people first, patient-caregiver second. And remind yourself, every moment of the day need not be about what they need. Prioritize your health, happiness, and sanity, too!

Wishing you a merry holiday season!

P.S. In case you have not heard, AARP chose Artifcts for its 2024 Gift Guide. You can browse the complete guide here.

###

by Ellen Goodwin, Artifcts

December 13, 2024

HEALTH & AGING

Hidden Stories Behind Holiday Decor

In today’s ARTIcles story, we’re taking you inside the homes of our co-founders, both of whom celebrate the winter season with Christmas trees and an abundance of ornaments. You might celebrate other holidays with a different set of traditional holiday décor, and we bet it too has stories to tell of holidays and people of years past and present.

Whether you have holiday heirlooms, family traditions, or simple merriment guiding your holiday décor, we hope you’ll remember to take a moment to create an Artifct and share a story or two with your friends and family this season.

Step Inside the Goodwin Home with Co-founder Ellen

Our tree is certainly merry and bright. The ornaments include those from my own childhood as well as those from my travels and annual “pick an ornament” outings with my daughter.

This year’s tree decorating was unique, because my parents came to visit and decorated the tree with us. As we decorated, we naturally shared stories about the ornaments. It was the chattiest our daughter was all weekend as she oohed and aahed over her ornaments and reminded us of which ones had to be placed together.

	This year’s new arrival is custom artwork from Brittany Atkinson, based in Austin, Texas. The ornament is more of an investment than usual ornaments, but I love supporting local artists. The bold design and colors definitely won my daughter’s stamp of approval.
	I have a thing for nutcrackers, they adorn our house during Christmas, and they hang on our tree, too. I wish I could find more ornaments just like this one, a gift from my mom years ago. View the Artifct ->
	My daughter insists on pairing these sweet ornaments together on the tree each year. When she picked these out, it was the only time she got two ornaments instead of one to add to the tree. She named them Autumn and Oscar. View the Artifct ->
	A few weeks before Christmas in 2012, I had surgery and was on crutches. While laid up, I had the bright idea to make these gingerbread and gold glitter cutout ornaments. Just me at home with a 2.5-year-old and really really REALLY sticky dough. What was I thinking? I’m delighted they’ve last this long. View the Artifct ->
	Sometimes I just want something classic and clean. Last year I chose a candycane design with a traditional shape made of heavy glass. It's another nice pop of color on the tree. View the Artifct ->

And Now Step Inside the Nickerson Home with Co-founder Heather

Remember the Dr. Seus book, "Oh the Places You'll Go?" Every time I see our tree, I think of that book and smile, as our tree has evolved over the years to become a memory map of the places we've been and the adventures we've had year after year. Each ornament, although decorative by default, holds a deeper meaning to us, and brings back memories from our travels near and far.

	A beaded hummingbird ornament reminds us of our girls trip to Belize with @egoody and @vgoody "way back when" the girls still thought it was cool to travel with their parents. View the Artifct ->
	Our handmade Danish felt ornaments remind us of our visits to our family in Denmark and all the adventures we've had over the years with @Jeanet_Johansen. View the Artifct ->
	One of the older ornaments on our tree, my beloved Parsa Craft ornaments from my time in Afghanistan. Each ornament is handmade from the women that make up the Parsa Craft collective in Kabul. These ornaments have managed to survive multiple moves and two golden retriever puppies. View the Artifct ->
	This one always makes me smile! When COVID hit, our travels came to a screeching halt. What to do? We hit the trails and the mountains with our trusty two-person backpacking tent. Imagine my surprise when I found a tent ornament that was an exact match to our tent. View the Artifct ->
	Last but not least, one of my favorites! @Matt and I bought this ornament after our first trip to Iceland. It is one of the heaviest ornaments on our tree, which means we spend a great deal of time each year deciding which branch it goes on lest it slips to an untimely demise. (Which is not unheard of in our house with the dog and the children!) Sorry, this Artifct is private!

Feeling inspired? Take a look around your tree, your mantle, or wherever you keep your holiday decor and pick an item to get started. Simply snap a photo, add a short story and any fun details, click save, and you're done! Got a growing collection on your hands? Create custom tags using the Tags feature to quickly sort and search through your collection. Some of our favorites this year? #Ornaments, #Holidays2024, and #Cookies!

We're preparing our ARTIcles for 2025. Have a topic you'd like us to cover? Share with us at Editor@Artifcts.com.

###

December 11, 2024

HOLIDAYS

Gain a new perspective on 'stuff'
with exclusive ARTIcles content,
direct to your inbox.

By submitting your email, you agree to receive periodic emails from Artifcts. Please review our Privacy Policy.

SERVICES

INSPIRATION

Artifcts A to Z

Stay in the loop

Subscribe to our emails to gain a new perspective on ‘stuff’ with exclusive content and event invitations, direct to your inbox.

What interests you? (optional)

Decluttering & Downsizing Estate Planning Genealogy & Family History Insurance Tips & Tricks

Check out past ARTIcles

Your privacy

This website uses only essential cookies to provide reliable and secure services, streamline your experience, allow you to share content from this website on social media, and to analyze how our Site is used. Learn more about these cookies and cookie settings.

Accept & Continue

Oops! This Web Browser Version is Unsupported

You received this warning because you are using an unsupported browser. Some features of Artifcts will not be available or will be displayed improperly until you update to the latest version or change browsers.

Browser update information

Oops! This Web Browser is Unsupported

Chrome

Opera

Firefox

Safari

Edge