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Old 09-30-2019, 01:47 PM   #1
Borrow money from a pessimist, they don't expect it back.
Join Date: Dec 2017
Location: Pittsburgh, PA
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I just recently moved and have both collectibles insurance and renters insurance. I was switching my address with both and when talking to my renters insurance I had asked how much covers collectibles and they told none. I was a little surprised because I thought that they provided some coverage for collectible but they do not. (I also realized that I needed to increase the amount of my coverage for my rental insurance as well.)

I know the topic of insurance comes up every now and then but to me this is always something good to be on top of because some insurance might not cover stuff. Better to be aware of it now before needing to use the insurance and finding out there is none to cover comics, statues, artwork, etc.
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Old 09-30-2019, 01:53 PM   #2
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Yep. always a good idea to have collectible insurance if you have a decent sized collection. I was surprised as well my Homeowners didn't cover very much if any.
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Old 09-30-2019, 08:11 PM   #3
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Even if they say they cover types of things like collectables, electronics, photography equipment etc. you need to see what their limit is for each category. Sometimes they limit it to some low figure like $300 per category. Usually you can buy a rider to increase the limits but of course you will pay more for it...You should also check for coverage on natural disasters such as flood, earthquake or fire damage not just vandalism or theft.
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Old 09-30-2019, 08:45 PM   #4
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Been with them going on 10 years. 3 breakage claims and each one covered with no issue. These 3 claims were for statues easily found on eBay so value was easy to show. With all the customs out Iím not sure how a claim would go.
The damn thing's invisible!
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Old 09-30-2019, 08:51 PM   #5
Borrow money from a pessimist, they don't expect it back.
Join Date: Dec 2017
Location: Pittsburgh, PA
Posts: 730
That is who I have as well- have not had a need to file a claim (thank goodness) but they were very nice and helpful when I set up my account and when I had to change my address

That is the thing there is not guide for some pieces so we would have to go by EBay
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