I asked my insurance provider about this some time back, but they seemed to lack any desire or have much in the way of information on insuring collectibles. All I could get out of them is "You need to have it appraised" pretty much, with no sort of leads on what type of appraisal would suffice. An estimate from my LGS? Hell if I know!
I got to thinking about this last night after some a-hole pulled the fire alarm at my apartment building. My wife was pitching a fit about the chain smoker downstairs falling asleep with a lit cigarette, but thankfully, there was no fire. Still, it put the idea in my head. Our complex requires us to have renters insurance, but there's no specific rider for collectibles, and my provider did tell me that my comics would only be valued at cover price. That kind of sucks when you've got a pile of key issues from the 70's. When I mentioned insuring my M:tG, my wife was shocked that my collection isn't already insured.
Those of you that have done this, what were the stipulations and rules set forth by your insurance provider?
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Let the EDH meme die.
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I got to thinking about this last night after some a-hole pulled the fire alarm at my apartment building. My wife was pitching a fit about the chain smoker downstairs falling asleep with a lit cigarette, but thankfully, there was no fire. Still, it put the idea in my head. Our complex requires us to have renters insurance, but there's no specific rider for collectibles, and my provider did tell me that my comics would only be valued at cover price. That kind of sucks when you've got a pile of key issues from the 70's. When I mentioned insuring my M:tG, my wife was shocked that my collection isn't already insured.
Those of you that have done this, what were the stipulations and rules set forth by your insurance provider?