Art Insurance – Advice For Collectors

While it’s crucial to obtain art insurance for the objects in your collection, it’s also essential to take as many steps as you can to secure and protect these items from a variety of hazards, some of which you may not be aware of. Here are some tips to help UK collectors preserve their valuable collections whilst also having collection insurance.

Factors that Influence Fine Art Insurance:

An art insurance company generally bases premiums on 4 factors: value, location, security and the complexity of the collection. There are several common-sense actions to take that will help keep the price of your arts insurance as low as possible. Proper preventative and maintenance steps you can take start with hiring a professional art hanger with a good reputation who can use the proper techniques and hardware. This will assure that your paintings are hung in a way that’s compatible with any recommendations your insurance company has made. Insurers like to be proactive in these matters and the advice they give is both free and relevant. It goes without saying that you should never hang art over a fireplace or close to heat sources, ductwork, radiators or registers. Keep your home at a constant temperature of about 75 degrees Fahrenheit. If possible regulate the humidity to about 55%. For older homes, collectors should consider purchasing a separate thermo hygrometer.

Art Insurance is as important as Car Insurance:

While most people wouldn’t dream of driving their car without insurance, many fail to acquire the correct paintings insurance. And while many take good care of the furnishings in their homes, often paintings and other art objects are neglected. It’s a simple matter to install smoke detectors and water alert sensors. Smoke detectors will help prevent damage from soot as well as smoke. Install the detectors within 100 feet of the objects covered by your painting insurance. Also, don’t store fine art in attics or basements because there can be severe temperature fluctuations in these locations. Instead, try to establish an art storage area where you can store paintings vertically in racks. Keep items out of direct sunlight. Some collectors install ultraviolet light filtering film on windows, specifically to protect paper and textile items.

While carrying art insurance is an important way for UK collectors protect their valuable objects, providing a proper environment and being proactive can go a long way towards assuring enjoyment of their collections for years to come.

Secrets to Installing Solar Power in Your Home

When it comes to renewable energy, nothing gets more press than solar power; and for good reason. The sun is out there all day, every day. Even on cloudy days, the sun is showering us with energy that can be harnessed and used to heat our homes, power our appliances, and replace the expensive, fossil fuel burning energy companies.

Every square meter of sunlight carries 1,000 watts of energy – a massive burst of raw power. But, is solar power really an efficient option, and if so, is it affordable? Let’s take a closer look at what energy costs in your home can be replaced with solar and how effective they generally are.

Solar Hot Water and Space Heating

Solar hot water and space heating is one of the simplest ways to harness the power of the sun. It requires a solar collector, a tank on your roof, and the necessary connections to circulate heated water throughout your home. It’s about 80% cheaper than installing solar panels and can pay for itself within 2-3 years instead of 20.

What You Need for Solar Heating

There are two different types of solar heating installations – a passive installation that circulates water directly from the solar collector throughout your home without any pumps or motors, and an active installation that pumps cold water into the collector and hot water into your hot water tank where it can be stored for later use. The simplest to install and least expensive is a passive system because it requires fewer parts, less maintenance and no permits. However, you should still be careful when installing a passive solar hot water system, if only because you’re working with active pipes in your home.

Types of Solar Collectors

A solar collector is a panel attached to your roof that will absorb energy from the sun and convert it to heat. In the case of a passive system, the collector will directly heat the water in a tank attached to your roof. Basically, it’s like a greenhouse for your home’s hot water.

However, not every home can benefit from a simple, flat plate solar collector. In colder climates where that water might freeze, you will need a more indirect system. In this case, you will need an evacuated tube system. What evacuated tubes do is surround the water pipes with glass tubes that have inert air in them. This counteracts the ambient air temperature so only the sun’s energy affects the overall temperature.

Additionally, those pipes will usually contain some kind of coolant rather than water. The heated coolant is then transferred to a separate water tank to heat potable water. The water never freezes, the pipes stay strong, and you have hot water even in the winter.


Putting in a solar hot water system starts with analysis of your hot water needs. How much do you use and what do you currently pay for it? Likely, you will never be able to replace your entire hot water supply with solar hot water, but anything you do now will help your bills in the future.

Beyond the solar collector – which will be between 4 and 12 feet long – you’ll need the following parts to complete a solar heating installation:

Storage Tanks – For active systems using evacuated tubes, storage tanks will hold the potable water away from the roof. This allows you to heat the water in a separate location more safely in cold temperatures.

Water Heater – If you choose to remain connected to the grid, with the option for outside energy to heat your water, this is important. Most people remain connected to be sure they never run out of hot water. If the solar tank drains when you have company or it gets too cold outside, this will be welcome.

Heat Exchanger – If you are using coolant in your solar collectors, you’ll need pipes or coils to transfer the heat from the coolant to your water, usually inside your storage tanks.

Water Pumps – In an active system, you’ll need water pumps to move water to and from your solar collectors. Passive systems don’t use water pumps.

Valves and Controls – These are used in active systems as well. Controls will determine where water is pumped and when to turn on your hot water tank. You can also install an isolation valve to cut off your solar system if something goes wrong along with a tempering valve. If you’re using direct hot water from your solar collector, a tempering valve will make sure it doesn’t get too hot when you’re in the shower or washing dishes.

Debt Collectors Can Over Step Their Legal Rights

Debt collectors can be difficult to deal with because they want to scare you into paying your debt. You need to know what they are allowed to do legally so they do not go over that boundary. Being in debt can be a stressful situation but to have a debt collector calling you at home and at work can be overwhelming. They are allowed to call you at home but they can only speak with you not someone else in the household.

If you do not want the debt collector calling you at home or at work then you can send them a cease and desist letter. It allows you to have a little peace of mind while you are making a plan to pay off your debt. Everyone has issues with credit card debt from time to time so do not feel like your the only one. It can be a stressful place to be in when you have bills that you can not afford to pay.

Knowing the facts about debt collectors and there legal rights can help you to avoid being harassed. They are not allowed to threaten you in any way. This means they can not call and tell you that if you do not pay your debt by a certain date you will be arrested and put in jail. This is against the law but yet some debt collectors will stoop to this to try to collect. They are not allowed to talk with another family member or a co worker about your debt.

The debt collector must follow the letter of the law to collect the debt that is owed. If they cross the line then you have legal recourse to sue them. If you find yourself in this situation then you should talk with a lawyer who specializes in this type of law. There are many attorneys that know the legal ins and outs of debt collection and this is the type of lawyer you want to hire.

You should not get down on yourself if you find yourself in a bad debt situation. The only person who can change there situation is you. There are many solutions available to get out of debt the thing you want to do is make a plan. The more organized you are the quicker you will be able to get rid of your debt.

Remember that knowing your legal rights when it comes to debt collection is important. If you are in a situation where you owe more money than you can afford then create a payback solution. It can be stressful to deal with but it is better to get your debt paid of so that you can avoid the debt collector altogether.