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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.

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
  • A.M. Best “A” rated carrier

Benefits to You:

  • Competitive agent commissions
  • No minimum production requirements
  • Easy online portal to quote and bind policies
  • 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
(only list items worth more than $25,000)
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)
Imposes sub-limits NO Yes
Insures against risk of accidental breakage YES No

*Appraisal required for jewelry items valued over $50,000.