Many years ago, an art teacher friend told me that if you fall in love with an original piece of art, whether it's a painting, etching, sculpture etc, and you can afford it, buy it. So I do!
I collect the wildlife paintings of Carl Whitfield, the cat paintings of David C Lyons and the marine paintings of Richard Firth (although fewer of those, due to cost, and the small number he creates).
I have one original by Michael John Hunt, bought from a Penman antiques and fine arts fair before he 'made it big'. I probably couldn't afford any of his originals now!
However, my absolute favourite painting is one my DS bought me when he went on a school trip to Spain. It's abstract, but (to me) looks like a horseman tilting at a windmill (Don Quixote)! I love everything about it!
We have a few pieces of sculpture too, I like modern bronzes, in particular the birds of Ian Greensitt.
We don't buy because of worth, or as investments, we buy what we fall for!
The insurance premiums are a bit of a nightmare, but the joy we get from seeing these things more than makes up for it. Anyway, there are no pockets in shrouds