The details, answered.

Sometimes, but usually not fully. Many homeowners and renters policies cap collectibles at a low limit and may not cover accidental damage, loss in the mail, or items at card shows. A standalone collectibles policy is built for those gaps. Check your own policy's limits, or send it to us and we'll walk you through it.

A standalone policy keeps claims on your collection off your homeowners policy, so a collection claim won't touch your homeowners coverage or rates. It's also written around how collectors actually handle items: market-value coverage, shows, shipping, and grading submissions.

Often, yes. Collectibles coverage commonly runs roughly $0.50 to $1 per $100 of value a year, so smaller collections can be inexpensive to protect. Rates vary and carriers may have minimum premiums, so we'll give you a real number with your quote.

Yes. Collectors Guild Insurance Agency, LLC is a licensed insurance broker in California (#6019744), Texas (#3526156), and Illinois (#3004325197). We place coverage with specialist carriers, who underwrite the policies and pay claims.

We currently write policies for collectors and businesses in California, Texas, and Illinois. If you're moving, or you live somewhere else, reach out and we'll let you know your options.

Both. Raw singles, graded slabs (PSA, BGS, CGC, SGC), and sealed product can all be covered, typically to current fair-market value.

Yes. Sealed product such as booster boxes, cases, ETBs, and vintage wax can be covered to market value alongside your singles and slabs.

Accidental damage, including cracked slab cases, is the kind of loss collector policies are designed to cover. Exact covered perils are set by your policy, and we'll go over them with you.

Collectibles are covered to current fair-market value, so coverage is meant to track the market. If your collection grows a lot, or a single card climbs past $25,000, let us know so your limits and any scheduled items stay up to date.

No. Most collections are covered on a blanket basis, so you don't schedule each card. Individual cards or sets worth $25,000 or more are scheduled separately. Keeping your own inventory with photos is still smart, since it makes any claim much easier.

Collectibles are covered to current fair-market value, which is typically supported by recent comparable sales. Your inventory, photos, cert numbers, and receipts help document what you had and what it was worth.

Collector policies typically cover items in the mail and to and from grading, one of the riskiest moments for a card. Your policy will spell out any shipping requirements, and we'll review them with you.

Yes, collector coverage follows your collection to shows and conventions. If you're selling at a table as a vendor, that's usually a different situation, and dealer inventory coverage may be a better fit (see below).

It depends on how much you sell. Occasional sales from a personal collection may fit a collector policy; regular selling, a storefront, or vendor tables usually call for dealer inventory coverage. Tell us how you sell and we'll point you to the right fit.

Your collectibles policy is designed to cover items in transit, but how it works alongside carrier shipping protection varies. Ask us before a big shipment and we'll confirm how you're covered.

A standalone jewelry policy typically covers an engagement ring up to 125% of appraised value, worldwide, against loss, theft, damage, and mysterious disappearance, with $0 deductible options. It sits outside your homeowners policy, so a claim won't affect your homeowners rates.

It means the piece is simply gone and you don't know how, not stolen in a way you can prove. Many homeowners policies don't cover that; our jewelry and watch policies do.

Jewelry and watches insure best from a recent appraisal. If you don't have one, a reasonably priced virtual appraisal can be arranged.

Often, yes, but expect an extra step. Without box and papers, you may need an appraisal or authentication to establish the watch's value and confirm it's genuine. Tell us what you have and we'll let you know what's needed.

Yes. Coin collections can be covered at home, in a safe deposit box, at shows, and in the mail.

Gold and platinum coins can be added to your policy on request. Let us know what you hold when you ask for a quote.

CGC and CBCS graded books are covered to certified market value, and raw books are covered to fair-market value. Most comic collections need no formal appraisal.

Signed and game-used memorabilia can be covered to market value. Keep certificates of authenticity and any provenance documents, and we'll help you document them so a claim is straightforward.

Yes. Dealer inventory coverage protects stock at your shop, at shows, and in transit, with full or limited burglary and theft options. Ask us about liability and property coverage for your business too.

Theft at shows is one of the main risks dealer inventory coverage is built for. Coverage details and any requirements, like how stock is secured overnight, depend on the policy, and we'll walk through them before you bind.

Report a theft to the police and get a report number, take photos of any damage, and contact us right away. As your broker, we help you file the claim with the carrier and advocate for you through it.

Keep a simple inventory, such as a spreadsheet with each item, its grade and cert number, and its approximate value. Add photos and receipts where you have them, and store a copy somewhere other than where the collection lives, like cloud storage.