What is considered a fine art?

It depends if you are discussing Fine Art for a homeowner or a business. Generally, for both, Fine Art coverage would include paintings, sculptures, folk art, multimedia art, antiques, doll collections, oriental rugs, and small collectibles such as figurines etc. Fine Arts is pretty broadly defined, as people collect strange things, and the coverage is designed to provide replacement, agreed, or market value replacement of items that are not easy (or sometimes impossible) to replace. On a homeowners policy, Fine Arts would NOT include gun collections, stamp collections, silverware, jewelry, furs, or other items that have separate schedules or coverage values on the policy. These items may be included on your commercial definition (or not excluded), but check with your agent to be sure if you have any of those items. If your agent can't answer your question, fire them and find a new one.