Quote:
Originally Posted by nbr3bagshotrow
For those who say their collection is covered by their homeowners insurance I highly encourage research. Unless you have a specific collectible rider your collectibles are lumped in with your personal property. That means furniture, clothing, appliances, and cars. (Yes, if you have a fire and everything is gone, your cars are included as personal property).
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Plus, this usually only covers your stuff when in your home. Collectibles Insurance Services covers your property at home, in the mail, at conventions, in your car, etc...basically, wherever it is, it's covered. There are certain limitations of course, but it's well better than homeowners coverage (which as you say, isn't anything special).
You do need to itemize pieces which have a value over $5,000, but there is no extra cost to your policy for doing so, they just want that info up front.
I use them, and while I've never needed to make a claim, only hear good things about them.
