Why Collectibles Insurance?
A Full Range of Protection:
The comprehensive coverage includes (but is not limited to): accidental breakage, burglary, fire, flood (except in zones A & V), loss in the mail, theft, natural disasters, and other causes of loss unless specifically excluded from the policy.
More Affordable Rates: Typically, you will pay less than it would cost to schedule the same items under a homeowners policy.
Less Paperwork and Red Tape: Unlike homeowners insurance, we do not require a schedule or appraisal for most items; however, you are responsible for maintaining your own inventory for insurance purposes (in the event of loss). The only exceptions are individual items or sets valued at $25,000 or more, which would have to be scheduled.
Proven and Trusted Insurance Carrier: All coverage is provided by a carrier rated “A” by A. M. Best—the leading rating agency for the entire insurance industry.
We Provide Coverage for Dealers, Too: If you want to protect your dealer inventory and your clients’ collections, for which you are responsible, we also offer special dealers insurance.
Coverage provided includes (but is not limited to): accidental breakage, burglary, fire flood (except in zones A & V), loss in the mail, theft, natural disasters, and other causes of loss unless specifically excluded from the policy.
Deductibles starting at $0—we provide coverage for the market value of your collection for covered losses in excess of $50.
Here is a partial list of what we insure. If you don’t see your collection, let us know!
Coverage subject to policy sub-limits.
Collectibles Insured
– Advertising Collectibles
-Antique Radios/Phonographs
-Antique Tools
-Art (comic, animation, prints, lithographs)
-Bears/Steiff Collections
-Books & Manuscripts
-Club/Organization Memorabilia
-Coin Operated Devices
-Coins (except gold and platinum)
-Comics
-Dolls
-Entertainment Memorabilia
-Fine Art
-Furniture
-Glass/Pottery
-Guns, Ammo & Accessories*
-Hunting/Fishing
-Knives, Edged Weapons & Accessories*
-Limited Edition Items
-Magic: The Gathering Cards
-Militaria
-Movie Props
-Musical Instruments
-Native American, Including Arrowheads
-Paper/Ephemera
-Petroliana
-Political Memorabilia
-Records and CDs
-Sports Cards & Memorabilia
-Stamps & Philatelic Items*
-Toys/Action Figures
-Trains, Including Layouts
-Vintage Clothing
-Vintage Sewing and Textiles
-Western Americana
-Writing Instruments
-Zippo Lighters
A schedule is required for individual items or sets valued at $25,000 or more.
* Covered provided under a separate policy.
Coverage provided includes (but is not limited to): accidental breakage, burglary, fire flood (except in zones A & V), loss in the mail, theft, natural disasters, and other causes of loss unless specifically excluded from the policy.
Burglary and Theft Coverage Available:
– Limited Burglary & Theft Coverage – provides coverage up to a maximum or the policy limit, whichever is less.
– Full Burglary & Theft Coverage – provides coverage up to the policy limit.
– Gun/Knife/Edged Weapon Policies Includes Full Burglary & Theft Coverage.
– Coverage subject to policy sublimits.
Listing of Exclusions
– Government seizure or destruction of property
– War and nuclear hazards
– Gradual deterioration, fading, creasing, denting
– Damage by insects, rodents or other animals
– Dampness or dryness of atmosphere
– Changes in extremes of temperature other than fire
– Fraudulent, dishonest or criminal acts
– Voluntary parting with covered property
– Loss or damage while being worked on by you or others working on your behalf
– Mysterious disappearance
– Dealer stock (coverage provided under a separate Dealer Policy)
– Checked baggage (except weapons policy)