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How Insurance can Protect Your Fashion Designer Clothes

Similar to the fine art, antique autos, aged wine collection, designer couture collections are an investment of expensive fashion. Tailored exclusively and made-to-measure to fit the collector’s shape and panache for style and fashion, they are prized possessions that express the personality, look and image the wearer cherishes.

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In the event of damage or losses, homeowners insurance usually fails to cover these costly garments, shoes and handbags – items that individually can be priced in the thousands and may be priceless in terms of sentimental value.

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Insurance for the High-Net Individuals’ Fashion Collection


Though there is a limited niche of insurance coverage for bespoke and designer clothing, specialty insurance protects your wardrobe as an endorsement of a collections policy with advantages such as agreed value coverage, no deductibles, and loss in value compensation.

Coverage also includes:

  • Losses occurring while traveling
  • Dry cleaning and restoration


For more about bespoke and designer clothing collection insurance, speak to the specialty agents at Prime.

PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AIG, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, THE HARTFORD, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


Summary: You are a high-net individual, proud owner of a high-value bespoke or designer fashion wardrobe. In the event of a fire, flood or even moth damage, your home insurance policy will typically not cover losses and damages. Luckily, Prime Insurance offers specialty collectors insurance for your special clothing and accessories.


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