Wine Cellar Insurance in Ontario, Canada

Protecting Your Collection, Preserving Your Investment

A wine collection is more than bottles — it’s a passion and a valuable asset. Standard home insurance often limits or excludes coverage for fine wine. At Solutions Insurance Group, we provide tailored wine cellar insurance to protect your collection against loss, damage, or spoilage.

🔎 What Is Wine Cellar Insurance?

Wine cellar insurance is a specialized coverage that protects the financial and sentimental value of your wine collection. It goes beyond regular home insurance, ensuring that your investment is safeguarded from unexpected risks.

Coverage may include:

• 🍾 Theft Protection – Covers stolen bottles or cases of wine
• 🔥 Fire & Flood Damage – Protects your collection from common property risks
• ❄️ Temperature Control Failure – Coverage if wine spoils due to power outage or equipment breakdown
• 📦 Breakage Coverage – Protection for accidental damage during handling, shipping, or storage
• 🌎 Worldwide Coverage – Ensures your collection is protected even in transit

📝 Is Wine Cellar Insurance Mandatory in Ontario?

• By law: No, wine cellar insurance is not mandatory.
• By best practice: Strongly recommended for collectors, restaurants, and investors, since home insurance usually has very low limits on wine and collectibles.

🌟 Who Needs Wine Cellar Insurance?

• Private wine collectors with high-value cellars
• Homeowners with custom wine storage
• Restaurants, bars, and catering businesses
• Wine importers, retailers, and distributors
• Investors in rare or vintage wines

🌟 Optional Coverages You Can Add

• Appraised Value Coverage – Ensures rare vintages are covered at their appraised value
• Transit Coverage – Protects bottles while being shipped or moved
• Earthquake & Sewer Backup – Protection against risks not covered in standard property policies
• Business Interruption – For restaurants or businesses that rely on wine sales

🛡️ Why Choose a Broker for Wine Cellar Insurance?

Every collection is unique — and so are the risks. Our brokers help you:

• ✅ Cover your collection for its true appraised value
• ✅ Compare insurers specializing in high-value assets
• ✅ Customize coverage for both personal and commercial cellars
• ✅ Fill gaps left by standard home or business insurance