@Firevine: If the chain-smoker below you is the main issue, I would highly recommend moving somewhere else where you and your family feel safe. It's not worth losing sleep over, not worth the risk, and that should be the top priority more so than insuring the value or personal possessions. Meanwhile, I would try petitioning with the other tenants to have that individual evicted (if discussing the issue and subsequently warning them personally hasn't produced results), that way you don't have to make the difficult last resort decision of abandoning your home. Smoking in your domicile may be one's legal right. However, if such an individual displays a pattern where they are knowingly and regularly putting other people's lives and livelihoods at grave risk as a direct result of their willfully dangerous and irresponsible behavior (smoking perpetually even whilst dozing off certainly qualifies), the rights of those innocent potential victims supersede the rights of the person who is known to be a liability. In the interim, I suggest getting a fireproof safe for your more valuable binders and decks. Lastly, I feel it necessary to point out the irony that a firevine would even be so concerned about a fire (alarm) in the first place. Isn't it entirely plausible that you inadvertently set off the alarm yourself?
@Stevenus: I'm curious... How can the insurer know with any degree of certainty at the time of the claim that your collection was exactly as it was documented online? Do you regularly have to submit proof by providing photos, scans, or other signed documentation that all the cards listed are still in your physical possession, still in their listed conditions, and haven't been traded or sold? Do you continuously update your online list any and every time you open something of value in a pack, buy, trade, or sell singles of value, or acquire singles which will presumably appreciate in value? Does a notary or some other third party have to authenticate that in doing so each time you're being completely honest? What's the minimum threshold value for such cards to be added to such a list (for you or the insurer)? Any additional information would be helpful and much appreciated.
Anyhow, the best I can come up with myself is a game in the top 8 of a PTQ back during Urza block in which we were starting game 3 with time already expired, so the tiebreaker rule was that whoever had more life after 3 turns would win. And I lost to... healing salve.
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@Stevenus: I'm curious... How can the insurer know with any degree of certainty at the time of the claim that your collection was exactly as it was documented online? Do you regularly have to submit proof by providing photos, scans, or other signed documentation that all the cards listed are still in your physical possession, still in their listed conditions, and haven't been traded or sold? Do you continuously update your online list any and every time you open something of value in a pack, buy, trade, or sell singles of value, or acquire singles which will presumably appreciate in value? Does a notary or some other third party have to authenticate that in doing so each time you're being completely honest? What's the minimum threshold value for such cards to be added to such a list (for you or the insurer)? Any additional information would be helpful and much appreciated.