You have a lot more invested than just money.
Your passion is collecting - ours is protecting
For replaceable items, homeowners insurance is all most people need. But for prized treasures that you spent a lifetime acquiring, it probably isn’t enough. From coins and stamps to artwork and guns, wine, toys, sports memorabilia and everything in between.
Limits of homeowners insurance
Serious collectors need specialty coverage that protects the full collectible value of their items.
Homeowners insurance doesn’t consider current market value
Coverage cap (typically 50-70% of home’s value)
May not cover losses caused by floods, hurricanes, or earthquakes
Reporting individual items can be a hassle