Agreed-value coverage for coins, stamps, sports cards, comics, memorabilia, and every major collectible category — at home, at shows, and in transit.
From a graded PSA 10 rookie card to a Civil War militaria collection, specialist collectibles insurance protects every major category at agreed value — no sub-limits, no depreciation.
U.S. and world coins, proof and mint sets, gold and silver bullion coins, ancient coins, paper currency, and exonumia — raw and NGC/PCGS-graded.
Classic U.S. and world stamps, first-day covers, postal history, errors and varieties, and philatelic collections at Scott or market value.
Vintage and modern sports cards, graded slabs (PSA, BGS, SGC), unopened wax packs, rookie cards, and non-sport trading card sets.
Golden Age, Silver Age, and Bronze Age comics — raw and CGC/CBCS-graded. Original comic art, pulp magazines, and related ephemera.
Signed jerseys, bats, helmets, baseballs, and photographs — authenticated by JSA, PSA/DNA, Beckett Authentication, or other recognized services.
Vintage toys, die-cast vehicles, action figures — loose and MISB. Star Wars, G.I. Joe, Hot Wheels, and other high-value collectible toy lines.
Military medals, insignia, uniforms, edged weapons, antique firearms, and war-related ephemera. Subject to applicable state and federal regulations.
Movie posters, animation cels, autographs, political memorabilia, pop culture items, vintage advertising, and any category with documented market value.
Standard homeowners policies were written for household contents — not graded collectibles with documented market values. The shortfalls are significant.
Most homeowners policies cap coin and stamp coverage at $1,000–$2,500 total — regardless of what your collection is actually worth. A single key date coin can easily exceed this limit many times over.
A PSA 10 card or NGC MS-70 coin commands a substantial premium over ungraded examples. Homeowners policies pay actual cash value — with no mechanism to recognize grading service certifications or population report data.
Homeowners policies generally exclude property taken to trade shows, conventions, and dealers — exactly the events where collectors are most exposed. Show theft and accidental damage are both excluded.
Sending a card through the mail for grading, or shipping a coin to auction? Homeowners policies offer minimal transit coverage, and many exclude property shipped via mail carriers entirely.
At claim time, homeowners policies pay what an adjuster says your item is worth — not what you insured it for. For collectibles where value is highly condition-sensitive, this distinction is critical.
If a coin or card goes missing without a known cause — no police report, no witness — most homeowners policies won't pay. Specialist policies include mysterious disappearance as a covered peril.
Specialist collectibles policies address the specific risks of the hobby — from the show floor to the grading service and back.
You schedule items at their current market value — graded or ungraded. At claim time, you receive the full scheduled amount with no depreciation or ACV adjustment.
Your collection is covered at coin shows, card shows, comic cons, and trade conventions — including while displayed in dealer cases, while being handled for sales, and during setup and breakdown.
Items in transit to and from PCGS, NGC, PSA, BGS, CGC, and other recognized grading services are covered — including during processing time at the grading company.
If an item is determined to be counterfeit or fraudulently authenticated after purchase, select policies provide coverage for the loss in value — a growing risk in the hobby.
Coverage follows your collection globally — at international coin shows, overseas auctions, in transit, and at storage facilities. No geographic restriction on covered losses.
Carriers familiar with the collectibles market understand population reports, registry sets, and how grading service certification affects value. Claims are evaluated by specialists who understand your hobby.
We shop multiple specialist markets to find the right fit for your collection. Here is how the three primary collectibles carriers compare.
| Feature | Great American Collectibles | RLI Corp | Markel |
|---|---|---|---|
| AM Best Rating | A+ (Superior) | A+ (Superior) | A (Excellent) |
| Collectibles Specialty | Dedicated collectibles division | Personal collections specialist | Art & collections focus |
| Agreed Value | Yes | Yes | Yes |
| Convention Coverage | Included | Included | Available by endorsement |
| Grading Service Transit | Covered | Covered | Case-by-case |
| Zero Deductible Option | Available | Available | Available |
| Worldwide Coverage | Yes | Yes | Yes |
| Best Fit | Coins, stamps, cards, comics | Broad collectibles, memorabilia | High-value mixed collections |
Coverage features and availability vary by state and underwriting. We compare these and additional markets for every client.
Collectibles insurance relies on recognized grading services and market data to establish fair scheduled values. Understanding these standards helps you insure correctly.
Numismatic Guaranty Company and Professional Coin Grading Service are the two leading third-party coin grading services. Certified coins carry population report data that establishes rarity and market value. We use current PCGS Price Guide and NGC Price Guide figures at submission, updated annually at renewal.
Professional Sports Authenticator (PSA), Beckett Grading Services (BGS/BVG), and SGC are the primary card grading services. A PSA 10 Gem Mint card can be worth multiples of a PSA 7. We schedule cards using current sold auction records and population report comparables.
Comics Guaranty Company (CGC) and Certified Collectibles Group (CBCS) are the two dominant comic book grading services. Grade differences between a CGC 9.4 and 9.8 can represent dramatic value differences for key issues. We use GPA and Heritage Auctions realized prices for comparable copies.
James Spence Authentication, PSA/DNA, and Beckett Authentication are the leading authenticators for signed memorabilia. Authentication letters and LOAs from these services are required for scheduling autographed items above threshold values.
The American Philatelic Society expertizing service and Philatelic Stamp Expert (PSE) provide authentication and grading certificates for stamps. Scott Catalogue values and recent realized auction prices from Siegel, Kelleher, and H.R. Harmer establish market values.
For ungraded or raw collectibles, we work with specialist dealers and auction house records to establish current market values. For collections over $25,000, a formal written appraisal from a recognized specialist is typically required by carriers.
Tell us about your collection and we will shop the specialist market for you — no obligation, no sub-limits, agreed value.
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