Collectibles Insurance - For Your Clients' Treasured Collection

Collections often grow in value, worth much more than the collector imagines. Many collectors don’t realize that relying on homeowners insurance to cover loss or damage could leave them sadly disappointed. This is your opportunity to help educate and protect. Insure your clients’ treasured collections today!

Accidents happen. Homeowners insurance will not cover accidental breakage or damage or loss due to natural disasters such as flood and earthquake (see chart to compare).

The policy features* of our collectibles policy ensure that your clients’ treasured collections will be covered for the most common types of damage.

Policy Features

As an American Collectors’ customer, you can be sure your collector vehicle has the best coverage available. Your investment will be well-protected by a policy that has been designed especially for collectors. Our policies are annual and our minimum premium is $100. Features include:

Agreed Value Coverage

Qualifying collections are insured for their full collector value less any deductible, and never depreciate. Coverage also applies to accessories such as model train layouts, and product packaging.

Broad Coverage

Includes damage caused by accidental breakage, fire, flood, theft, hurricane, earthquake, and more.

Collector's Choice Plan

Ideal for collectors who desire additional coverage for damage that occurs:

  • During the shipment of newly purchased items
  • While repairing, restoring or retouching an item (up to $2,000)
  • While an item is being handled or worked on (up to $2,000)
  • To property stored or displayed outside the residence for more than 30 days
  • Due to theft from an unattended vehicle
  • Coverage also includes Special Occasion Usage of fragile collectibles such as glass, ceramic, crystal, porcelain, stoneware and other fragile collectibles
Inflation Guard Protection

For scheduled items automatically increases items valued over $2,000 by 2% quarterly, up to 8% annually, at no additional cost.

Automatic coverage for new additions

The collectibles policy provides automatic coverage for newly acquired pieces for 30 days up to a maximum value of $2,000


Program features and availability vary by state. Coverage for furniture, fine art, or jewelry is not currently available. Please contact American Collectors Insurance for additional information.