What We Insure

Collectibles Insurance

The numbers show that rods and customs are among the most popular collector vehicles. Take advantage of the growing number of enthusiasts and the best coverage in the industry.

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.

Broader 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

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

Qualifying Collections

All qualifying personal collections in a household may be covered on the same policy. Below is a partial list of qualifying collectibles and manufacturers, including newly eligible collections. If a collection doesn’t appear on this list, please call us toll-free to speak with a licensed product specialist.

Eligible Collections:

Books & MapsAntique & rare
Coins & BullionModern, ancient, commemorative
Collectible dinnerware/stemwareLenox, Waterford
Collector QuiltsAntique & collectible
Comic BooksMarvel, DC
GunsPre and post WWII
PrintsLimited editions
StampsCollectible, U.S., foreign
Trading cardsHistorical, movies & sports
WineRare, vintage & accessories
Action FiguresG.I. Joe, Star Wars
Advertising MemorabiliaBreweriana, Coca-Cola
AnimationArt Disney, Warner Brothers
AutomobiliaGas Pumps, Vintage Signs
Collector PlatesBradford Exchange, Royal Copenhagen
Die CastERTL, Matchbox
DollsAnnalee, Barbie, Madame Alexander
FigurinesM.I. Hummel, Swarovski, Precious Moments, Lladrό
MilitariaHelmets, uniforms, equipment
Model Trains & SetsLionel, Mike’s Train House
OrnamentsHallmark, Christopher Radko
PotteryMcCoy, Lenox
Sports Memorabiliaautographed pieces
Teddy BearsBoyds Bears, Steiff
VillagesDepartment 56

Submission Requirements

It takes just a few minutes to quote and submit your next risk online! Once approved, you will receive a confirmation email listing premium payment options – please note: American Collectors Insurance does require the total annual premium in order to bind coverage, and photo(s) and forms must be received within 20-days. Upon receipt of the premium payment, temporary ID cards will be made available via email. We will review & respond within 24 hours to risks that are not immediately accepted. It’s that easy!