Comprehensive Antiques and Antique Dealer Insurance for Your Growing Collection

Yes, we offer comprehensive and broad coverage for your collection! We have experience insuring collectors of all kinds who appreciate the scope and special coverage.

CIS is a company founded by collectors, so we understand that your collection is often more of an emotional investment than a financial one and that these collectibles are worth far more to its owner than money alone. As experts in collectibles insurance, we have been protecting valued collectible antiques and more since 1966—offering not just coverage, but the kind of peace of mind that a standard homeowners policy simply cannot provide. Here are just a few reasons why you should choose CIS to provide insurance for your valuable collectibles:

• Proven and Trusted – Protecting collectors since 1966, all coverage is provided by a carrier with a group rating of “A” (Excellent) by AM Best, the leading rating agency for the insurance industry.
• Coverage at Home and Away – We provide insurance at any scheduled location in the United States. But, that’s not all. We provide transit coverage, which protects collectible property that is temporarily away from the scheduled location (subject to policy sublimit). If you’re at a scheduled exhibition, show, or display, coverage is provided for your collectibles up to the policy limit—including travel and shipping to and from the event. We also provide optional coverage for collectibles kept in a public storage facility (up to $100,000).
• Comprehensive Coverage – Coverage includes but is not limited to, accidental breakage, burglary, fire, flood (except in zones A & V), loss in the mail, theft, natural disasters, and other causes of loss unless specifically excluded from the insurance policy.
• More Affordable Rates – Typically, you will pay less than it would cost to schedule the same items under your homeowners policy. Deductibles start at $0 for collector policies, and we provide coverage for the market value of your antiques for losses in excess of $50.
• Less Paperwork and Red Tape – Unlike homeowners, a schedule or appraisal is not required for most items; however, you are responsible for maintaining your own inventory for insurance purposes (in the event of loss). Individual items or sets whose insured value is set at $25,000 or more must be scheduled.
• It’s Fast and Easy – Get a quote online or call our expert CIS team at 888-837-9537 (8:30 am – 5:00 pm (EST), Monday – Friday).

Our insurance company was created by an avid stamp collector who realized that ordinary homeowners coverage simply couldn’t provide the coverage his rare treasures demanded. For everyday, easily replaced personal property, homeowners is all most people need. But for prized possessions you may have spent a lifetime collecting, it doesn’t go nearly far enough. That’s why we offer a group of benefits that the less specialized insurance carrier doesn’t often provide. For example:

• Homeowners coverage is typically based on the actual cash value of your collection—not their current market value or full collector value.
• Homeowners can limit coverage of all the contents in your home to a percentage of your home’s total value (usually between 50% and 70%).
• It may not cover losses caused by floods, hurricanes, or earthquakes.
• Homeowners may have limited or no coverage for valuables like silver, guns, stamps, and other collectible items.
• You may be required to appraise and schedule all items individually. And new items must be reported and scheduled within 30 to 90 days of acquisition.

Like most collectors, we’re specialists. Providing collectible insurance is all we do. So we’re able to passionately focus on servicing the needs of collectors like you. Generally, if you can collect it, we can cover it. (The list of what we provide coverage for is a lot longer than what we don’t.) Some of the most popular categories we cover include antiques; stamps; rare coins; guns, knives, and accessories; sports cards and memorabilia; and toys.

The following are excluded from our coverage: Government seizure or destruction of property; war and nuclear hazards; gradual deterioration such as fading, creasing or denting; nesting, infestation or discharge or release of waste products or secretions by insects, rodents or other animals; dampness or dryness of atmosphere; changes in or extremes of temperature other than fire; fraudulent, dishonest or criminal acts; voluntary parting with covered property; loss or damage while being worked on by you or others working on your behalf; and mysterious disappearance. This is not a complete list of exclusions and exclusions can vary by policy.