Your Collection Is Worth Thousands. Your Insurance Covers $200.
Most homeowners policies have a $200 sublimit on coins and $1,500 on stamps—far below what valuable collections are worth. Without documentation and a scheduled personal property endorsement, your trading card collection could be severely underinsured. Document everything in 15 minutes to support your insurance claim or rider application.
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Many collectors are unaware their homeowners policy has low sublimits for coins, stamps, and collectibles.
Standard policies often provide only $200 coverage for gold/silver coins and $1,500 for stamps.
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Log In to UseThe Insurance Gap Collectors Face
Many
Collectors discover their sublimits only when filing a claim
Review your policy to understand collectibles coverage
Less
Claim payouts can be reduced significantly without documentation
Photos and receipts help substantiate value
How Documentation Impacts Collection Claims
Documentation can make a significant difference in insurance claim outcomes for collectibles
Illustrative Example: This scenario is for educational purposes. Actual claim outcomes vary based on policy terms, coverage limits, sublimits, and documentation quality. Consult your insurance agent for specific coverage information.
Collector A: No Documentation
Card collection worth approximately $68,000. No photos, no inventory, no rider on homeowners policy.
$200
Standard coin sublimit (minus deductible)
Collector B: Had Documentation
Card collection documented with photos and values. Added collectibles rider based on inventory total.
$64,500
Full replacement value (minus deductible)
Same collection. Same fire. $64,300 difference because of 30 minutes of documentation.
Expert Guides for Collectors
How to Document Jewelry for Insurance
Step-by-step guide to photographing, appraising, and scheduling valuable pieces on your policy.
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Your Collection Is Worth Thousands
Understanding insurance sublimits and why your collection may not be fully covered without documentation.
Read article →
Proof of Ownership for Insurance Claims
What insurance companies accept as proof, and how to document your collection before filing a claim.
Read article →
Verified Sources & References
Homeowners Insurance Sublimits for Collectibles:
Standard homeowners policies typically include sublimits for collectibles: $200 for gold and silver coins, $1,500 for stamps, $2,000 for firearms, and $2,500 for fine art. These limits are often well below actual collection values.
Newfront Insurance - Understanding Policy SublimitsScheduled Personal Property Coverage:
High-value collectibles often require scheduled personal property endorsements (riders) for adequate coverage. Documentation with photos, receipts, and appraisals supports rider applications and claim processing.
Insurance Information Institute - Homeowners InsurancePolicy sublimits vary by insurer and state. Check your specific policy documents or contact your insurance agent to verify your collectibles coverage limits.
Important Disclaimers: BigToa provides tools to document collectibles and generate informational value estimates. Coverage, eligibility, pricing, and claim outcomes are determined by your insurance provider. Value estimates are informational only and do not constitute appraisals or guarantee coverage amounts or claim results.
Nothing on this page constitutes insurance, legal, or financial advice. Feature availability may vary. Consult qualified professionals for insurance decisions. BigToa does not provide professional grading services or integrate with PSA, CGC, NGC, or other grading companies.