How It Works

Getting covered, without the runaround.

No call centers, no generic questionnaires that don't understand what you own. Just a few straightforward steps — and a real person who speaks the hobby — from first hello to bound coverage.

The Process

Four steps to peace of mind.

Most collectors are quoted quickly — the timeline depends mainly on how quickly we can put a value to your collection.

01

Reach Out

Start with a quick note or a quote request. Tell us what you collect and roughly what it's worth — cards, jewelry, watches, coins, or a bit of everything. There's no obligation, and nothing is binding at this stage.

Start a Request →
02

We Match You to the Right Carrier

Based on what you collect, we place you with the carrier that specializes in it — collectibles with one, fine jewelry and watches with another. You get a policy built for your category, not a one-size-fits-all product that treats a graded card like a couch.

03

Value Your Collection

This is where we set the numbers. Jewelry and watches insure best from a recent appraisal — we'll help you get one if you need it. Cards and other collectibles usually need no formal appraisal at all; a simple inventory does the job. Here's exactly what to bring for each:

Cards & Collectibles

  • An inventory list: item, set or year, grade and cert number for slabs, and your estimated value
  • Photos of your key pieces
  • Receipts or recent sold comps for your highest-value items
  • Any single item worth over $25,000 flagged, so it can be listed individually

Most collections need no formal appraisal and are covered at fair market value.

Jewelry & Watches

  • A recent appraisal for each piece (no appraisal? we can arrange a virtual one)
  • Lab grading reports for diamonds and gemstones, if you have them
  • Photos of each piece
  • For watches: make, model or reference, serial number, and box & papers if you have them

Coverage up to 125% of appraised value, so it keeps pace with the market.

Shops & Vendors

  • Your total inventory value (an inventory or POS export is perfect)
  • Your primary location's address
  • Security in place: safe, central station alarm, vault
  • The shows you attend and how you transport inventory

Ask us about liability and other shop coverage at the same time.

Don't have everything yet? Start anyway — we'll tell you exactly what's needed. Start a request →

04

Review & Bind Coverage

We walk you through the quote and the terms, answer every question, and help put your coverage in force. From there you're protected — at home, at shows, and in transit — with a team that stands beside you if you ever need to file a claim.

Ready When You Are

It starts with a simple hello.

Request a Quote →