Collectibles Insurance vs. Homeowner Policies
Why Purchase a Separate Collectibles Insurance Policy?
Serious collectors need specialty coverage that protects the full collectible value of their items. MiniCo Collectibles Insurance covers hundreds of collections from fine art to sports memorabilia
(jewelrys excluded).
MiniCo Collectibles Insurance offers more complete coverage at a competitive premium when compared to traditional homeowner policies. Plus the application process is simple and fast.
Benefits to Your Clients:- Coverage up to $1,000,000 (higher limits available)
- Insured for full collectible value
- No appraisal required at application
- $0 deductible and competitive premiums
- sA.M. Best “A” rated carrier
- Competitive agent commissions
- No minimum production requirements
- Easy online portal to quote and bind policies
View Portal Demo - Value for your personal line clients
- Growth opportunity for your business
| MiniCo Collectibles Policy | Standard Homeowner Policy | |
| Requires appraisals | NO | Yes |
| Requires a detailed inventory | NO (applies only to items worth less than $5,000) | Yes |
| Pays claims | Full collectible value | Actual cash value (depreciated value) |
| Deductible | $0 per occurrence (higher limits available) |
$500 per occurrence or more |
| Coverage limits | Up to $1,000,000 (higher limits available) |
$500-$2,000 |
| Imposes sub-limits | NO | Yes |
| Insures against risk of accidental breakage | YES | No |