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.
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.
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
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
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.
|Books & Maps||Antique & rare|
|Coins & Bullion||Modern, ancient, commemorative|
|Collectible dinnerware/stemware||Lenox, Waterford|
|Collector Quilts||Antique & collectible|
|Comic Books||Marvel, DC|
|Guns||Pre and post WWII|
|Stamps||Collectible, U.S., foreign|
|Trading cards||Historical, movies & sports|
|Wine||Rare, vintage & accessories|
|Action Figures||G.I. Joe, Star Wars|
|Advertising Memorabilia||Breweriana, Coca-Cola|
|Animation||Art Disney, Warner Brothers|
|Automobilia||Gas Pumps, Vintage Signs|
|Collector Plates||Bradford Exchange, Royal Copenhagen|
|Die Cast||ERTL, Matchbox|
|Dolls||Annalee, Barbie, Madame Alexander|
|Figurines||M.I. Hummel, Swarovski, Precious Moments, Lladrό|
|Militaria||Helmets, uniforms, equipment|
|Model Trains & Sets||Lionel, Mike’s Train House|
|Ornaments||Hallmark, Christopher Radko|
|Sports Memorabilia||autographed pieces|
|Teddy Bears||Boyds Bears, Steiff|
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!