Collect & Protect!

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Your comics and collectibles are more than just hobbies—they’re valuable investments. Don’t leave them at risk from theft, fire, or accidents. With specialized collectibles insurance, you’ll enjoy peace of mind knowing your treasures are covered at their true value—whether at home, in transit, or on display.  KB Comcis & Collectibles is a broker that works on your behalf at no charge to help find you the best carrier to properly cover your collectibles.

Here are several strong reasons why it makes sense to insure comics and collectibles:

1. Protection Against Loss or Damage

• Fire, theft, flood, or accidental damage could wipe out a valuable collection. Insurance helps cover those risks.

2. Rising Market Value

• Many comics and collectibles appreciate significantly over time. A rare issue or limited-edition figure might be worth many times its purchase price. Insurance ensures you’re compensated at today’s market value, not just the original cost.

3. Specialized Coverage

• Standard homeowners or renters insurance often has limits (or exclusions) for collectibles. A dedicated collectibles policy covers them properly.

4. Peace of Mind

• You can enjoy your collection without constant worry, knowing it’s protected if something happens.

5. Coverage While in Transit or on Display

• If you bring items to comic cons, shows, or exhibitions, specialized insurance can protect them outside your home.

6. Inheritance & Estate Planning

• If your collection is part of your legacy, insurance ensures its financial value is preserved for heirs.

7. Broad Coverage Options

• Collectibles insurance can cover everything from single high-value comics (like Amazing Fantasy #15) to entire collections, statues, toys, cards, and art.

8. Affordable Premiums

• Compared to the potential value of your collection, premiums for collectibles insurance are generally modest.

Types of Collectibles Covered

• Comic books & trading cards (graded or ungraded)
• Sports memorabilia (jerseys, autographs, equipment, ticket stubs)
• Action figures, toys, and dolls
• Stamps & coins (including rare or antique sets)
• Vintage video games & consoles
• Art & sculptures
• Antiques & furniture
• Wine & spirits collections
• Music memorabilia (records, instruments, posters)
• Sneaker & fashion collections
   

What Collectibles Insurance Typically Covers

• Theft – protection against burglary or robbery.
• Accidental damage – breakage, spills, tears, or handling accidents.
• Loss in transit – damage or loss while shipping or moving items.
• Natural disasters – fire, flood (sometimes optional), earthquake, storms.
• Mysterious disappearance – items lost without clear cause (many insurers include this, unlike standard homeowners).

Homeowners  or Renter's insurance policies typically have low, sub-limits for valuable items like collectibles, often covering only a small amount for theft or damage. To ensure adequate coverage for collections worth more than standard policy limits, you'll need to purchase a specialized insurance policy for your valuables.  KB Comcis & Collectibles is a broker that works on your behalf at no charge to help find you the best carrier to properly cover your collectibles.

Low Monetary Limits:  Standard homeowners policies provide minimal coverage for high-value items, with limits often as low as $1,000 to $2,000, or a total of $2,500 for a collection. 
 

Specific Item Limits:  Even within the overall limit, there may be a maximum amount that will be paid out for any single collectible item. 
 

Inadequate Protection:  These sub-limits are usually far less than the true value of a substantial collection, leaving you underinsured in case of damage, loss, or theft

How to Insure Your Comics & Collectibles

1. Get Your Collection Appraised

• Determine the current market value of your comics, figures, cards, or other collectibles.

• Keep receipts, grading certificates (CGC, PSA, etc.), and photos as proof of ownership and value.

2. Review Your Current Coverage

• Standard homeowners or renters insurance often doesn’t fully cover collectibles—or has strict limits.

• Check your policy for exclusions or low-value caps.

3. Choose the Right Insurance

• Scheduled Personal Property Rider: Add specific high-value comics or items to your homeowners policy.

• Specialized Collectibles Insurance: Companies offer coverage tailored for comics, toys, trading cards, and memorabilia—often with worldwide protection and transit coverage.

4. Document Everything

• Keep a detailed inventory with photos, grades, purchase prices, and current market values.

• Store a digital copy in the cloud in case of loss.

5. Update Regularly

• Comic and collectible values can rise quickly. Re-appraise and adjust your coverage every year or two.

6. Ask About Extra Protections

• Some policies cover items while in transit, at comic cons, or on display—great if you show or sell your collection.

What May Not Be Covered (or Needs Special Endorsement)

• Normal wear and tear, aging, or fading.

• Market fluctuations or investment loss.

• Intentional damage.

• Items not properly documented (most insurers require photos, receipts, or appraisals).

? A key benefit is agreed value coverage—meaning you and the insurer agree on the collectible’s worth beforehand, so you’re reimbursed that amount if it’s lost or damaged, avoiding disputes over market value later.

? Replacement Value means the cost to replace the item(s) with similar collectibles of similar quality, or if not replaceable, then the appraised value by a competent authority or the purchase price.