Personal Lines Insurance Pro Tip.
Collectibles: (see: Upper Deck issuing a new golf card set)
Make certain you have read the policy language and understand how your PL insurer will handle a claim involving your collectibles; including cards ... should a loss occur, eg water damage, fire, theft, etc.
Most insurers will sub-limit (if any) a small amount for a claim involving a collection; typically depends on the type of collection ... artwork, musical instruments, sporting goods, silverware, etc., and oftentimes the sub-limit will be in a $1,500-1,000 range. Not much coverage.
Fortunately, you have other options -- including adding a schedule (your insurer will clarify what is needed) to your HO policy or purchasing a standalone specialty policy (inland marine) with specific values / per item or via a blanket (less robust coverage) limit.
Regardless of which method you choose to insure (asset preservation) your collectibles, please be mindful that coverage limitations do exist and you could suffer from an underinsured loss if you don't thoroughly evaluate available options.
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Account Manager at INSUREtrust
2moDiamond shot creator