Frequently Asked Questions

Homeowners insurance is a type of insurance that provides coverage for damages or losses to your home and personal property caused by covered perils such as fire, theft, and natural disasters. It typically includes coverage for both the structure of the home and the personal belongings inside.

Collectibles insurance, on the other hand, is a type of insurance specifically designed to protect valuable collections such as art, antiques, coins, stamps, and other items of high value. Collectibles insurance provides coverage for the full value of the collection in case of damage, theft, or loss, and it can also cover losses that may occur during transit or while the items are on loan.

While homeowners insurance can provide some coverage for personal property, it typically has limits and exclusions for high-value items such as collectibles. Collectibles insurance, on the other hand, is designed specifically to cover these types of items and can provide broader coverage and higher limits. Additionally, homeowners insurance is generally required by mortgage lenders as a condition of the loan, while collectibles insurance is optional and typically purchased by collectors who want to protect their valuable collections.

• Accidental Breakage
• ​Burglary
• Fire
• Flood (except in Zones A & V)
• Loss in the Mail
• Theft
• ​Other causes of loss, unless specifically excluded from the policy (see exclusions).

• Fading, creasing, denting, scratching, tearing, thinning, transfer of color wear and tear, or deterioration
• Dampness or dryness of the atmosphere
• Mold
• Changed in or extremes of temperature other than fire
• Nesting or infestation, or discharge of waste products by insects, birds, rodents, or other animals
• Work done on Covered Property by insured or others working on insured’s behalf
• Delay, loss of use or loss of market
• Mysterious Disappearance
• Dishonest, criminal or intentional acts by the insured or any of its household staff
• Voluntary parting with the Covered Property
• Covered Property placed in checked baggage
• Earthquake if the scheduled location is in California
• Flood if the scheduled location is in flood zones A & V
• Seizure or destruction of property by order of government authority
• Nuclear Hazard
• War, warlike actions by military force, insurrection, rebellion, revolution

Yes, maintaining an updated and accurate inventory of your collection is vital to prove proof of loss during a claim.

Proof of loss must be submitted to the carrier within 90 days. The client must report the policy number, contact information, documentation regarding collectables, date and location of loss, and claim amount to the carrier.  A detailed inventory, pictures/videos, receipts, and/or a police report may be requested.

No need to go through a time-consuming appraisal process! We just need a detailed description and estimated value and you are all set!

• Phone: 888-882-5903
• Email: [email protected]