why you need collectibles Insurance

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Spot On Coverage

Some of the collectibles we help find coverage for:

Comic Books
Sports Memorabilia
Art
Guns
Music Equipment

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:

N through Z:

Native American, including Arrowheads

Paper/Ephemera (Written or printed memorabilia)

Petroliana (Related to gas stations or the petroleum industry.)

Pokemon Insurance

Political Memorabilia

Records/CDs

Sneaker Insurance

Sports Card Insurance

Stamps Insurance

Toy Insurance

Trains, including Layouts

Video Game Insurance

Vintage Clothing

Vintage Sewing & Textiles

Western Americana

Wine Insurance

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

You have two payment options:

Option 1:  Click the Carrier tab, scroll to locate your carrier. Most carriers accept online payments via check, credit card, or ACH.  Click on your carrier’s name and proceed to make your payment.

Option 2:  Click the Customer Center tab. Scroll down to find the Input1 icon. Input1 offers digital payment options, including ApplePay and eWallet.  Click on the Input1 icon, log in, and make your payment. 

Report The Claim by Phone:

  • Click on the Carrier tab.
  • Locate your insurance carrier.
  • Use the carrier’s claims phone number to report the claim.

Report The Claim Online:

  • Click on the Carrier tab.
  • Use the carrier’s claims website link to report the claim online.

Absolutely. We use secure encryption technology to keep your personal information safe. When it comes to your application, we never pull your data without your approval first. We will also never sell your data to any third party…ever.

If you have questions, you can call, text, email, or live chat with a real expert at Insurish who is standing by to help. No matter how you contact us, we will get back to you immediately. For help, click the Contact Us tab.

We offer insurance solutions for all your personal needs like auto, home, life, health & more. We also offer products for all your business needs, like liability, property, trucks & more. We don’t stop there! We also offer a wide array of car care and safety & security products.

A deductible is the portion of covered expenses that you are responsible for paying out of pocket before your insurance coverage begins to apply. 

For example, if your collectibles insurance deductible is $1,000 and you incur $10,000 in damages, the insurance company will cover $9,000, and you would be responsible for paying your $1,000 deductible.

No Serial Numbers Required:  You don’t need to provide serial numbers to ensure coverage for your collection.

Coverage at Home and Away:

Travel Coverage: Transit coverage protects collectible property temporarily away from the scheduled location.​

Exhibitions:  Coverage is provided for your collection at scheduled exhibitions, shows, or displays, including travel and shipping to and from the event.

Storage Facility Coverage: For an additional premium, insurance coverage is available for collectibles kept in a public storage facility.

Deductible Options Starting at $0:  You can choose a deductible as low as $0 for collector policies, providing coverage for the market value of your collection for losses over $50. Dealer Policies have a standard $500 deductible.

Insurance that Grows with Your Collectibles: Your policy can be adjusted to accommodate any additions to your collection as it grows.

Inflation Coverage:  You may select optional coverage that automatically increases monthly to reflect new acquisitions and appreciation of your existing collection. This coverage applies a monthly increase of 1% in coverage, up to a maximum of $1 million.

Prompt and Personal Claim Service: Experienced claim adjusters specializing in collectibles handle your claims.

I Know What I Need

I am ready to proceed.

I Need More Information

Click on the “Spot on Coverage” button to learn more.

I Want to Start a Flexi-Bundle

Click on the “Flexi-Bundle” button and save.

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.