Why Accurate Wine Valuations Are Critical — and Rarely Tracked

You think your wine collection is insured.
You probably even know what it’s worth — or what it used to be worth.

But markets move. Values climb. And if your insurance is based on old appraisals or original purchase prices, you may be sitting on a multi-six-figure liability.

And you won’t find out until it’s too late.

The Problem: Your Insurance Is Based on Yesterday’s Value

Many collectors insure their wine at the time of acquisition or at a static, one-time valuation. But over the years, a $500,000 collection can quietly appreciate to $750,000, $900,000, or more — especially if you own high-performing vintages or rare formats.

Without up-to-date documentation, your insurance won’t cover the difference.

That’s not a hypothetical. That’s a loss.

The Real Risks of Underinsured Cellars

In the event of theft, fire, or flood, you receive far less than the current market value.
Lack of proof makes claims harder to process and slower to settle.
If your valuations are inflated or outdated, your premiums may be higher than necessary

Either way, the gap between what your wine is worth and what it’s insured for creates unnecessary exposure.

Why It Happens

No system to track market valuations over time
Outdated or one-time appraisals
No easy way to generate accurate reports for insurance brokers
Manual tracking (if any) that doesn’t keep pace with the market

For high-net-worth collectors with multiple properties, multiple cellars, and significant wine assets, this isn’t just an administrative issue — it’s a financial one.

How eSommelier Closes the Gap — Instantly

eSommelier gives collectors real-time insight into the actual value of their wine — and the tools to prove it.

Live Valuation Syncing

Your entire cellar is synced with up-to-date market data, so you always know what it’s really worth — not what you paid.

Exportable Insurance Reports

Generate ready-to-submit reports for your insurer, complete with valuation history, provenance, and storage notes.

Audit-Ready Documentation

In the event of a claim or estate event, your collection is already documented and defensible.

No Guesswork

You’re never left wondering if you’re under- or over-covered. You know.

Wine Is a Luxury — But Coverage Should Be a Certainty

You’ve invested time, taste, and significant capital into building your collection.
Don’t let valuation drift become the weak link in your financial safety net.

With eSommelier, your wine is not only beautifully organized — it’s protected.

Know exactly what your collection is worth — and make sure it’s insured to match

Are You Underinsured and Don’t Know It?