Just Dial Insurance Agency

For everyday, easily replaced personal property, homeowners insurance is all most people need. But for prized possessions you may have spent a lifetime collecting, it usually doesn’t go far enough. Here’s why:

• Homeowners coverage is typically based on the actual cash value of your collection – not its current market value.
• It can limit coverage of all the contents in your home to a percentage of your home’s total value (usually between 50% and 70%).
• It may not cover losses caused by floods, hurricanes, or earthquakes.
• It may have limited or no coverage for valuables like silver, guns, stamps, and other collectible items.
• You may be required to appraise and schedule all items individually. And new items generally need to be reported and scheduled within 30 to 90 days of acquisition.

On the other hand, Collectibles Insurance Services is a company founded by collectors, for collectors, so we understand that your collectibles are often more of an emotional investment than a financial one and that each collection is unique and worth far more to its owner than money alone. As experts in collectibles insurance, we have been protecting valued collections since 1966 – offering not just coverage, but the peace of mind that standard homeowners insurance typically cannot provide. Here’s just a few reasons why you should consider Collectibles Insurance Services to help insure your valuable collectibles:

Comprehensive coverage includes, but is not limited to: accidental breakage, burglary, fire, flood (except in zones A & V), loss in the mail, theft, natural disasters, and other causes of loss unless specifically excluded from the policy. Deductibles start at $0 for collector policies and we provide coverage for the market value of your collection for losses in excess of $50.

We provide coverage at any scheduled location in the United States. But that’s not all. We provide transit coverage, which protects collectible property that is temporarily away from the scheduled location (subject to the policy sublimit). If you’re at a scheduled exhibition, show or display, coverage is provided for your collection up to the policy limit – including travel and shipping to and from the event. We also provide optional insurance coverage for collectibles kept in a public storage facility.

Typically, you will pay less than it would cost to schedule the same items under a homeowners policy.

Unlike homeowners insurance, a schedule or appraisal is not required for most items. However, you are responsible for maintaining your own inventory for insurance purposes (in the event of loss). Individual items or sets valued at $25,000 or more must be scheduled.

Our Carrier  have been protecting collections since 1966 and all coverage is provided by a carrier with a group rating of “A” (Excellent) by AM Best, the leading rating agency for the insurance industry.

Here is a partial list of what we can help insure. If you don’t see your collection, you can discuss with our expert Collectibles Insurance team by calling (559) 575-0007.

• Advertising Collectibles
• Antique Radios/Phonographs
• Antique Tools
• Art (Comics, Animation, Lithographs, Prints)
• Bears/Steiff Collections
• Books & Manuscripts
• Club/Organization Memorabilia
• Coin Operated Devices
• Coins (except Gold & Platinum)
• Comics
• Dolls
• Entertainment Memorabilia
• Fine Art
• Furniture
• Glass/Pottery
• Guns/Knives/Other Arms & Accessories*
• Hunting/Fishing
• Limited Edition Items
• Magic: The Gathering (MTG)
• Militaria
• Movie Props
• Musical Instruments
• Native American, including Arrowheads
• Paper/Ephemera
• Petroliana
• Political Memorabilia
• Records & CDs
• Sports Cards & Memorabilia
• Stamps & Philatelic Items*
• Toys/Action Figures
• Trains, including Layouts
• Video Games
• Vintage Clothing
• Vintage Sewing & Textiles
• Western Americana
• Writing Instruments
• Zippo Lighters

A schedule is required for individual items or sets valued over $25,000.

* Coverage provided under a separate policy.

Call today or get an online quote in minutes.

While a collection, to the collector, is priceless. In the world of insurance, every collection has a value. If you want to get a valuation of your collection, we can help. Value My Stuff is a resource many collectors find helpful in establishing a value from individual items to entire collections. It is an online appraisal company that has a team of experts, all of whom have worked for Sotheby’s, Christie’s or other leading auction houses. The company has specialists in more than 40 collecting categories. After you upload photographs and details of your item, Value My Stuff experts will email you within 48 hours a PDF report and online certificate detailing your item’s history and value.