Wrenfield Family Office · Property & Assets

Fine Art & Collections Floater

Ardent Specialty · policy ASF-FA-••••9902 · rendered Tue 2026-07-21

← Back to the insurance schedule · review list

Policy record

Carrier

Ardent Specialty

Policy number

ASF-FA-••••9902

Policy type

Scheduled Fine Arts & Collections Floater — all-risk, agreed value, worldwide

Insured item / property

Scheduled fine arts & collections (while at named residences and in transit)

Owning entity

Kestrel Lane LLC

Policy period

2025-08-15 → 2026-08-15

Renewal date

2026-08-15

Annual premium

$61,500

Source dec page

dec-fine-art-floater.pdf

Coverage limits

Total Insured Value (scheduled)

$24,600,000

Newly-acquired sublimit

$1,000,000 / item · 90 days

Deductible

$0 (agreed value)

Total insured value is per the 2023-06-15 schedule of record.

Flags — for review only

Renewal window Renews 25 days

Renews 2026-08-15 — 25 days out as of 2026-07-21 (inside the 60-day window through 2026-09-19). The closest renewal on the schedule.

Value drift Possibly under-covered · $3.18M

Insured $24,600,000 (the floater's scheduled total insured value) vs appraised $27,780,000 (documented appraised total in Tom's Collection Inventory Register, item appraisals dated Apr–Jun 2025). Gap +$3,180,000 — the insured value sits 12.9% below the appraised total. Flagged for Tom to review whether to re-schedule at or before renewal — this is a flag, not advice.

Homeowners — Kettle Hollow →

Recorded exactly as the declaration page states it. The value-drift comparison uses Tom's Collection Inventory Register as the appraisal source of record; the machine never sets or estimates a value.