why you need collectibles Insurance
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Spot On Coverage
Some of the collectibles we help find coverage for:
PROTECT YOUR INVESTMENT:
You’ve invested time and potentially hundreds or thousands of dollars into your collectibles and want to protect them. It’s important to know that Homeowner insurance typically doesn’t adequately cover collectibles or may impose low coverage limits.
EXPERTISE:
We offer insurance designed for collectors, by collectors.
PEACE OF MIND:
You can be confident that your collection is comprehensively covered, no matter what happens to your collectibles.
NO HASSLES:
Unlike homeowner insurance, collectible insurance usually doesn’t require a schedule or appraisal for most items.
Collectibles Insurance Standard Coverages:
Theft Coverage:
Theft coverage provides protection against the theft or unauthorized taking of collectible items. It reimburses the insured for the value of the stolen items, up to the policy’s coverage limit.
Fire and Smoke Coverage:
This insurance coverage protects against damage or loss caused by fire and smoke. It typically covers damage to collectible items caused by flames, heat, and smoke residue.
Water Damage Coverage:
Water damage coverage safeguards against damage caused by water-related perils such as leaks, floods, or plumbing failures. It helps cover the cost of repairing or replacing collectibles damaged by water.
Natural Disaster Coverage:
Natural disaster coverage extends protection against perils such as earthquakes, hurricanes, tornadoes, and other catastrophic events. It ensures that collectible items are covered in the event of damage or loss caused by these natural disasters.
Breakage Coverage:
Breakage coverage reimburses the insured for the value of collectible items that are accidentally broken or damaged. It covers the cost of repairs or replacement due to breakage caused by handling or accidents.
Loss in Transit Coverage:
Loss in transit coverage protects against the loss or damage of collectible items while in transit or during shipment. It ensures that items are covered against theft, damage, or loss during transportation.
Forgery and Alteration Coverage:
Forgery and alteration coverage provides protection against losses resulting from the forgery or alteration of collectible items. It reimburses the insured for the value of items that have been fraudulently altered or misrepresented.
Mysterious Disappearance Coverage:
Mysterious disappearance coverage offers protection against the unexplained disappearance of collectible items. It covers losses where the cause of disappearance cannot be determined, such as misplacement or loss under mysterious circumstances.
A to Z Collectible Categories::
A through M:
Advertising Collectibles
Antique Radios & Phonographs
Antique Tools
Bears/Steiff Collections (Teddy bears)
Books & Manuscripts
Club & Organization Memorabilia
Coin Operated Devices
Coin Insurance (except Gold & Platinum)
Dolls
Entertainment Memorabilia
Fine Art
Furniture
Glass/Pottery
Guns/Knives/ Other Arms & Accessories
Hunting/Fishing
Limited Edition Items
Militaria (Military memorabilia)
Movie Props
Musical Instruments
N through Z:
Native American, including Arrowheads
Paper/Ephemera (Written or printed memorabilia)
Petroliana (Related to gas stations or the petroleum industry.)
Political Memorabilia
Records/CDs
Trains, including Layouts
Vintage Clothing
Vintage Sewing & Textiles
Western Americana
Writing Instruments
Zippo Lighters
Potential Savings to Explore:
Insurance discounts can differ depending on the insurance provider you select. It is important to note that not all carriers offer the same discounts.
Flexi-Bundle™ & Save:
Flexi-Bundle™ Discount: Combine up to four insurance products and select from up to four insurance carriers.
Frequently Asked Questions
Please Note:
At Insurish, we provide general information on insurance products to help you grasp their different aspects. It’s important to note that this information isn’t an insurance policy and doesn’t pertain to any specific carrier’s policy. It doesn’t alter any provisions, limitations, or exclusions expressly stated in an insurance policy. Descriptions of coverages, discounts, and features are concise. For a comprehensive understanding of specific policy details, we recommend reading the applicable policy and consulting an Insurish agent. Coverages and features vary by insurer and state and may not be available in all states. Coverage for accidents or losses depends on the terms and conditions of the actual insurance policy. References to premiums, losses, deductibles, and costs are illustrative and may not apply to your circumstances. Insurish is not liable for the content of third-party sites linked from this page.