Collectibles Insurance Quote Forms
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Collectibles Insurance Information
Collectibles are often cherished possessions. They can be valuable and the costs to repair or replace them can be significant. A personal collections policy can provide essential financial protection if a covered event damages your items, lost or stolen.
The experienced team at Granite Risk Advisors in Marietta, Georgia, can help you secure the collectible insurance that best suits your needs. Contact us today for more information.
What Is Collectibles Insurance?
Collectibles insurance, or personal collections insurance, is a policy to ensure your prized items are covered. It can provide financial assistance if your items are lost, damaged or destroyed by a covered peril (e.g., fire, theft or mysterious disappearance).
Standard homeowners or renters insurance may not provide adequate financial protection for these items, but collectibles insurance can help fill this gap. These policies may also offer additional coverage features. Speak to your agent for details.
Which Collectibles Are Eligible for Coverage?
Examples of items that may qualify for collectibles insurance include the following:
- Fine art
- Sports cards and sports memorabilia
- Vinyl records
- Comic books
- Musical instruments
Other collectibles and keepsakes may be eligible for coverage. Reach out to our agents to discuss your collection and if collectibles insurance is right for you.
How Do I Insure a Collection?
There are several coverages available, and how you insure your collection may depend on your specific items. Options include the following:
- Scheduled coverage—This type of coverage allows policyholders to list items and their insurance value on the policy individually, and each item may be insured separately up to that amount.
- Blanket coverage—This covers a policyholder’s entire collection under one total limit and typically has a per-item sublimit.
Other features that may be available in a policy or as an endorsement include market value protection coverage and automatic coverage for new items. Market value protection coverage may extend the coverage amount over the listed value if the market price increases. Automatic coverage for new items may automatically insure additions to the policyholder’s collection under the same policy as long as the new item is similar to the listed items.
Other options may be available, and you may have to produce documentation (e.g., appraisals) demonstrating the value of your collectibles. Work with our agents to discuss requirements, terms and limits.
Contact Us Today
The Granite Risk Advisors team can help you secure the policy and endorsements that meet your needs. We can also discuss the collectibles insurance services that are available. Contact us today for more information or a quote.