Collection Insurance Calculator

Most homeowners policies cover personal property, but typically with a $2,500-$5,000 sublimit for collectibles. If your collection is worth more, you need a scheduled personal property rider or a separate collectibles insurance policy. Always check your policy and get specific coverage for high-value cards.

Collectibles insurance typically costs $10-$20 per $1,000 of coverage per year (1-2% of value annually). Some specialty insurers like Collectibles Insurance Services offer rates as low as $0.88 per $100 of value. Graded cards in a safe may qualify for lower rates.

Insure for replacement cost, which is what it would cost to buy the same card at current market prices. This is usually 10-20% more than fair market value because you need to account for buying from retailers/auction houses with fees and premiums. Always get agreed-value coverage, not actual cash value.

For collections under $50,000, most insurers accept a detailed inventory with photos and recent comparable sales. For collections over $50,000, a professional appraisal from a qualified appraiser strengthens your claim. Graded cards with certification numbers are easiest to document and insure.

Comprehensive collectibles insurance typically covers: theft, fire, water damage, accidental damage, natural disasters, and loss during shipping. Some policies also cover mysterious disappearance (you noticed a card is missing but cannot pinpoint when). Coverage varies by insurer — always read your policy.