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"touchstart" : "mouseenter"; $(document).on(triggerevent + ".dropdown.uikit", "[data-prl-dropdown]", function(e) { var ele = $(this); if (!ele.data("dropdown")) { var dropdown = new Dropdown(ele, UI.Utils.options(ele.data( "prl-dropdown"))); if (triggerevent == "mouseenter" && dropdown.options.mode == "hover") { ele.trigger("mouseenter"); } } }); })(jQuery, jQuery.UIkit);; (function($, UI) { "use strict"; if (UI.support.touch) { $("html").addClass("prl-touch"); } var $win = $(window), $doc = $(document), Offcanvas = { show: function(element) { element = $(element); if (!element.length) return; var doc = $("html"), bar = element.find(".prl-offcanvas-bar:first"), dir = bar.hasClass("prl-offcanvas-bar-flip") ? -1 : 1, scrollbar = dir == -1 && $win.width() < window.innerWidth ? 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$element.attr("href") : false }, options); this.element = $element; $element.on("click", function(e) { e.preventDefault(); Offcanvas.show($this.options.target); }); this.element.data("offcanvas", this); }; OffcanvasTrigger.offcanvas = Offcanvas; UI["offcanvas"] = OffcanvasTrigger; $doc.on("click.offcanvas.uikit", "[data-prl-offcanvas]", function(e) { e.preventDefault(); var ele = $(this); if (!ele.data("offcanvas")) { var obj = new OffcanvasTrigger(ele, UI.Utils.options( ele.attr("data-prl-offcanvas"))); ele.trigger("click"); } }); })(jQuery, jQuery.UIkit);; (function($) { "use strict"; $.fn.jAccordion = function() { var $this = $(this); $this.find("section").each(function(idx) { var section = $(this); if (idx === 0) section.addClass('active').find( 'div.acc-content').slideDown(); section.find('a.head').on("click", function() { var handle = $(this); handle.parent().toggleClass('active'); if (handle.parent().hasClass('active')) { handle.next('div.acc-content').slideDown(); } else { handle.next('div.acc-content').slideUp(); } return false; }); }); }; })(jQuery);; (function($) { $.fn.jflickrfeed = function(settings, callback) { settings = $.extend(true, { flickrbase: 'http://api.flickr.com/services/feeds/', feedapi: 'photos_public.gne', limit: 20, qstrings: { lang: 'en-us', format: 'json', jsoncallback: '?' }, cleanDescription: true, useTemplate: true, itemTemplate: '', itemCallback: function() {} }, settings); var url = settings.flickrbase + settings.feedapi + '?'; var first = true; for (var key in settings.qstrings) { if (!first) url += '&'; url += key + '=' + settings.qstrings[key]; first = false; } return $(this).each(function() { var $container = $(this); var container = this; $.getJSON(url, function(data) { $.each(data.items, function(i, item) { if (i < settings.limit) { if (settings.cleanDescription) { var regex = /<p>(.*?)<\/p>/g; var input = item.description; if (regex.test( input)) { item.description = input.match( regex)[ 2] if (item.description != undefined) item.description = item.description .replace( '<p>', '').replace( '</p>', ''); } } item['image_s'] = item.media .m.replace('_m', '_s'); item['image_t'] = item.media .m.replace('_m', '_t'); item['image_m'] = item.media .m.replace('_m', '_m'); item['image'] = item.media .m.replace('_m', ''); item['image_b'] = item.media .m.replace('_m', '_b'); delete item.media; if (settings.useTemplate) { var template = settings.itemTemplate; for (var key in item) { var rgx = new RegExp( '{{' + key + '}}', 'g'); template = template.replace( rgx, item[ key ]); } $container.append( template) } settings.itemCallback.call( container, item ); } }); if ($.isFunction(callback)) { callback.call(container, data); } }); }); } })(jQuery); (function(a) { a.fn.jqinstapics = function(b) { var c = { user_id: null, access_token: null, count: 10 }; var d = a.extend(c, b); return this.each(function() { var b = a(this), c = "https://api.instagram.com/v1/users/" + d.user_id + "/media/recent?access_token=" + d.access_token + "&count=" + d.count + "&callback=?"; a.getJSON(c, function(c) { a.each(c.data, function(c, d) { var e = a("<a/>", { href: d.link, target: "_blank" }).appendTo(b), f = a("<img/>", { src: d.images.thumbnail .url }).appendTo(e); if (d.caption) { f.attr("title", d.caption .text) } }) }); if (d.user_id == null || d.access_token == null) { b.append( "<li>Please specify a User ID and Access Token, as outlined in the docs.</li>" ) } }) } })(jQuery); (function($) { "use strict"; $.fn.fitVids = function(options) { var settings = { customSelector: null }; if (!document.getElementById('fit-vids-style')) { var div = document.createElement('div'), ref = document.getElementsByTagName('base')[0] || document.getElementsByTagName('script')[0], cssStyles = '&shy;<style>.fluid-width-video-wrapper{width:100%;position:relative;padding:0;}.fluid-width-video-wrapper iframe,.fluid-width-video-wrapper object,.fluid-width-video-wrapper embed {position:absolute;top:0;left:0;width:100%;height:100%;}</style>'; div.className = 'fit-vids-style'; div.id = 'fit-vids-style'; div.style.display = 'none'; div.innerHTML = cssStyles; ref.parentNode.insertBefore(div, ref); } if (options) { $.extend(settings, options); } return this.each(function() { var selectors = ["iframe[src*='player.vimeo.com']", "iframe[src*='youtube.com']", "iframe[src*='youtube-nocookie.com']", "iframe[src*='kickstarter.com'][src*='video.html']", "object", "embed" ]; if (settings.customSelector) { selectors.push(settings.customSelector); } var $allVideos = $(this).find(selectors.join(',')); $allVideos = $allVideos.not("object object"); $allVideos.each(function() { var $this = $(this); if (this.tagName.toLowerCase() === 'embed' && $this.parent('object').length || $this.parent( '.fluid-width-video-wrapper').length ) { return; } var height = (this.tagName.toLowerCase() === 'object' || ($this.attr( 'height') && !isNaN( parseInt($this.attr( 'height'), 10)))) ? parseInt($this.attr('height'), 10) : $this.height(), width = !isNaN(parseInt($this.attr( 'width'), 10)) ? parseInt($this .attr('width'), 10) : $this.width(), aspectRatio = height / width; if (!$this.attr('id')) { var videoID = 'fitvid' + Math.floor( Math.random() * 999999); $this.attr('id', videoID); } $this.wrap( '<div class="fluid-width-video-wrapper"></div>' ).parent( '.fluid-width-video-wrapper').css( 'padding-top', (aspectRatio * 100) + "%"); $this.removeAttr('height').removeAttr( 'width'); }); }); }; })(window.jQuery || window.Zepto); </script>

How Do I Insure My Fine Art?

Cramer Imaging's professional quality landscape photograph of a farm field and equipment with colorful clouds in Rexburg, Madison, Idaho Here's the big question we've been leading up to for the past 2 weeks.  How do I insure my fine art?  Since we know that it's important and what we can insure, how do we go about doing so and saving our monetary investment from the ravages of life?  Today, we're tackling that question head on for all of you art fans out there.

Cramer Imaging's professional quality landscape photograph of a farm field and equipment with colorful clouds in Rexburg, Madison, Idaho

We really couldn't have gotten started with this article without the help of an insurance agent.  We've never had any art which we considered insuring.  We decorate using my fine art photography and I give myself the employee discount there.  Well, thanks to insurance agent Marc Johnson from Marc Johnson Agency in Pocatello, we got a decent idea of what you need to do when you want to insure your fine art.

The first thing that you need to know is that all insurance companies have different definitions of what they will and won't work with.  They have value thresholds which you must consider in making your decision.  They have rates which you should compare.  Each insurance company is different so you will need to consult your own insurance agent for the exact details of how to insure your art with their company.

That being said, there are a few things which you can do beforehand which will make your life easier when looking to insure your fine art.  The first is to research out what you can about your insurance company.

Check out the literature you've been given.  Read up online.  Get price quotes from them.  Read and reread your insurance policy contract to see what is covered there.  It's always better to go in armed with information than it is to go in blind.

Next, consider the value of the art you wish to insure.  Most home-owners' insurance policies will cover a certain amount of art already.  How much will depend upon your policy and the company offering it.  It can be as little as $500 total for art or as high as $2000 for art.  If the total value of your fine art collection isn't valued much beyond that general range, you'll probably be covered with your home-owners' insurance policy just fine and not require additional insurance.

Cramer Imaging's fine art photograph of the Union Pacific 844 Steam Engine on a train track at sunset
If you find that you have 1 or more pieces of art which exceed that general ballpark value, then you can consider getting a separate policy for the art itself.  Insurance companies will happily help you out with putting together a policy like this if they feel it would be worth your time and your money to do so.  Talk to your insurance agent to get started.

Now, if you feel that you need a separate insurance policy for your fine art, there's a few steps you need to complete.  The first is that you must get the piece appraised by a professional appraiser in the fine art world.  The insurance company will not take your word for the art's value nor should they trust some random person saying that the art you wish to insure is worth 10 million dollars.

You need your art to be properly appraised so you can submit that appraisal to the insurance company.  Should something happen to your art, this evaluation might be the value which the insurance company compensates you with.

Cramer Imaging's professional quality nature and fine art photograph of the Idaho Falls temple and waterfall landscape in Bonneville, Idaho
Just because you've gotten your art appraised does not give you an automatic insurance policy.  The company must review and approve the appraisal.  They want to make sure that the appraiser isn't trying to cheat them.  They will do some research and they will approve or not approve the appraisal.

If you would like to increase the chances of your art appraisal being accepted, then do your research and choose a reputable appraiser to do the appraisal.  The better the reputation of the appraiser, the better your chances of quick approval on the appraisal.

The next thing that you will need to do is to submit photos of the art to be insured.  If something happens to the art, you need to prove what condition it was in before the damage or destruction took place.  Multiple angles and close-up shots will help in this area.

In the case of wall art, you will probably need to show pictures of how you are hanging the art on the wall.  The company want to see security hangers to help prevent theft.  For other kinds of art, they will want to see where the art is kept.  This includes a safe.  They need to know what kind of security you are using to protect your art from damage, destruction, and theft.

Another thing to consider about insuring your fine art is that the insurance company expects that you will keep the art stored in your home, or place of business, as listed on the policy for a minimum of 75% of the time.  They will likely grant an exception for an art walk or other art exhibition display or a short term display in a museum without any issue.  They want to protect their investment in your art just as much as you do.

Cramer Imaging's landscape and nature photograph of Henry's Lake, Island Park,  Idaho with snow-capped mountains and white pelicans swimming

Sadly, unlike other parts of buying fine art, insuring your fine art isn't as easy as it sounds.  It's important but it isn't easy.  You will need help from an insurance agent to make the best possible decision you can to protect your fine art from damage and loss.  It may be a headache, but it'll be worth knowing that you don't have to suffer financially from the poor choices of others around your fine art.

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