If you collect it, we can help protect it.
Protecting collectibles for more than 50 years
Comprehensive coverage for your favorite collectibles
Collectibles
The fact is, most people don’t think about insurance until they need it. And while homeowners policies are okay for everyday, easily replaced personal property, it usually doesn’t go far enough to cover those prized possessions you may have spent a lifetime collecting.
Like most collectors, we’re specialists. Providing an insurance policy for collectibles is all we do. So, we’re able to passionately focus on servicing the needs of collectors like you. In fact, we never stop thinking of better ways to serve you.
Typically, if you can collect it, we can help insure it. And we’ve been providing a full range of insurance for collections of all kinds for more than 50 years. So, protect your investment in minutes with a no fuss, affordable insurance policy for collectibles and get back to what you enjoy doing most – finding that next prized collectible to add to your collection.
Here are some of the features of the policy:
Comprehensive coverage
- Accidental Breakage
- Burglary
- Fire
- Flood (except in Zones A & V)
- Loss in the Mail
- Natural Disasters
- Theft
- Other causes of loss, unless specifically excluded from the policy (see exclusions)
No serial numbers required
You do not need to provide serial numbers in order to insure your collection.
Coverage at home and away
- Travel – Transit coverage provides collectors insurance for collectible property that is temporarily away from the scheduled location, subject to the policy sublimit.
- Exhibitions – If you’re at a scheduled exhibition, show, or display coverage is provided for your collection up to the policy limit – including travel and shipping to and from the event.
- Storage Facilities – For an additional premium, we offer optional collectible insurance coverage for collectibles kept in a public storage facility.
More affordable rates
Typically, insuring a collection with us will cost you less than it would cost to schedule the same items under a homeowners policy.
Less paperwork and red tape
Unlike homeowners insurance, we do not require a schedule or appraisal for most items; however, you are responsible for maintaining your own inventory for insurance purposes (in the event of loss). The only exceptions are individual items or sets valued over $25,000 apiece, which would have to be scheduled.
We’re proven and trusted
We have been providing collectible insurance for collections like yours since 1966. And 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.
Deductibles starting at $0
Deductibles start at $0 for Collectibles Insurance Services policies. We provide coverage for the market value of your collection for losses in excess of $50. All dealer policies have a $200 deductible.
Insurance that grows with your collectibles
Collections tend to grow, so your policy can be adjusted to include any additions to your collection.
Inflation coverage
You may select “Automatic Monthly Increase” as optional automatic coverage update to be added to your policy for new acquisitions and appreciation of your existing collection. Selecting this coverage will apply an automatic monthly increase of 1% in coverage, up to a maximum of $1 million.
We provide coverage for dealers, too
If you want to protect your dealer inventory and your clients’ collections, for which you are responsible, we also offer special Dealers Insurance.
Superior customer service
Our company was started by collectors so it’s only natural that we would pay attention to your interests and needs. And that our customer service would always be geared to the collector’s point of view.
Prompt and personal claim service
As experienced specialists in collectibles, such as fine art, sports memorabilia, and more, our adjusters understand their value and importance to you. That’s why, should you have a claim, they make every effort to make sure it is settled as quickly and completely as possible.
CIS Company Brochure
Want to learn more about the best insurance for collectibles and the services we offer? Check out our collector brochure and our dealer brochure.
Related Services
We help provide collectors insurance services coverage for collectibles of all kinds. The list of what we cover is longer than our list of what we don’t.
Get A Quote
Getting a quote is fast and easy! If you’re interested in obtaining a collectibles policy, be sure to get a quote today.
Frequently Asked Questions
Yes, we offer comprehensive and broad coverage for your collection! We have experience insuring collectibles of all kinds who appreciate the scope and special coverage.
CIS is an insurance 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, we have been protecting valued collectibles since 1966—offering not just the best insurance for collectibles, 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 valued 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 damage, 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 fair market value of your toys 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, and it may not cover the full collectible value of your items. 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 collectibles—not their current fair 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 fine art; video games; guns, knives, and accessories; trading cards; sports memorabilia; stamps; and toys.
The following are excluded: 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.