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Thread: HOW TO: Insure Your Collectibles

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    Default HOW TO: Insure Your Collectibles

    A while back, someone posted the Insurance company that Stu uses. Anyone have their info and web site?. Thanks.

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    Quote Originally Posted by Fsmdr View Post
    A while back, someone posted the Insurance company that Stu uses. Anyone have their info and web site?. Thanks.
    It is Collectibles Insurance Services. I use them too. They are very easy to insure with. Fortunately I have not had a claim but that also means that I don't know if they are easy to work with in that respect or not.

    http://www.collectinsure.com/

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    Thanks Bob. I had it bookmarked but the link doesn't seem to work anymore. I plan on calling them sometime this month.

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    Thanks for the link, Bob.


    (By the way, I changed the thread name to fit the sub-forum.)



    If anyone else has other ways of insuring their stuff, please let us know here!
    "...that Siren which called and sang and promised so much and gave, after all, so little." ~ Ray Bradbury

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    Quote Originally Posted by Patrick View Post
    Thanks for the link, Bob.


    (By the way, I changed the thread name to fit the sub-forum.)



    If anyone else has other ways of insuring their stuff, please let us know here!
    I've tried other ways to insure my collection but these folks are used to dealing with collectors (stamps, coins, books, etc.) and really make it easy. For a long time I tried to insure my books with a personal articles floater attached to my homeowners policy. I used to have to submit a list of books yearly and there was ALWAYS much confusion on the insurance company side and it was a major hassle. I've got over 3500 items in my collection, many are $5 and $10 items, and generating a list every year was a real chore even though it is on a computer. And the rates were very high.

    Collectibles Insurance Services requires itemization only on items valued at $5000 or greater. You just tell them the value of your collection and they tell you what the premium is. Very easy.

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    I needed this info.

    Much thanks.
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    A rider to the homeowners is the other option I was thinking of. Thanks for pointing out those hurdles and differences based on your personal experience, Bob. I appreciate it.
    "...that Siren which called and sang and promised so much and gave, after all, so little." ~ Ray Bradbury

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    Quote Originally Posted by carlosdetweiller View Post
    Quote Originally Posted by Patrick View Post
    Thanks for the link, Bob.


    (By the way, I changed the thread name to fit the sub-forum.)



    If anyone else has other ways of insuring their stuff, please let us know here!
    I've tried other ways to insure my collection but these folks are used to dealing with collectors (stamps, coins, books, etc.) and really make it easy. For a long time I tried to insure my books with a personal articles floater attached to my homeowners policy. I used to have to submit a list of books yearly and there was ALWAYS much confusion on the insurance company side and it was a major hassle. I've got over 3500 items in my collection, many are $5 and $10 items, and generating a list every year was a real chore even though it is on a computer. And the rates were very high.

    Collectibles Insurance Services requires itemization only on items valued at $5000 or greater. You just tell them the value of your collection and they tell you what the premium is. Very easy.
    How does one go about establishing a value for one's collection?

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    Quote Originally Posted by jcf817 View Post
    Quote Originally Posted by carlosdetweiller View Post
    Quote Originally Posted by Patrick View Post
    Thanks for the link, Bob.


    (By the way, I changed the thread name to fit the sub-forum.)



    If anyone else has other ways of insuring their stuff, please let us know here!
    I've tried other ways to insure my collection but these folks are used to dealing with collectors (stamps, coins, books, etc.) and really make it easy. For a long time I tried to insure my books with a personal articles floater attached to my homeowners policy. I used to have to submit a list of books yearly and there was ALWAYS much confusion on the insurance company side and it was a major hassle. I've got over 3500 items in my collection, many are $5 and $10 items, and generating a list every year was a real chore even though it is on a computer. And the rates were very high.

    Collectibles Insurance Services requires itemization only on items valued at $5000 or greater. You just tell them the value of your collection and they tell you what the premium is. Very easy.
    How does one go about establishing a value for one's collection?
    I use this company as well.

    To value one's collection (I am assuming it is books), you can look at completed auctions on eBay as a start for each item. You can also search
    on ABE or alibris, you can look at what Bett's Bookstore, Camelot Books, Bad Moon Books, Lloyd Currey, Barry Levin, Dave Hutcheson value them at.

    Anyone else want to have a go at it?

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    It would help if you keep track of how much you paid for each item, too, especially if you got them from the "aftermarket" (and not from the initial publisher). That at least will give you a starting point.

    John

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    I have both on my spreadsheet - what I paid and a ballpark value based on the things wiz mentioned above. I also note the source the ballpark came from (aka Betts, ABE w/ seller, etc.) and the date. That way I know if I haven't checked something out for a while and might need to update the value.

    My issue usually comes with trying to determine the grade for each book since there are so many different ways. I know there are "primers", etc., all over the web, but even THEY are different.


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    I am not sure if this is the right place for this question? How do you get to know how much your bookcollection is worth? Do you go to a bookstore and ask someone? Do you ask an insurance appraiser?

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    Quote Originally Posted by pixiedark76 View Post
    I am not sure if this is the right place for this question? How do you get to know how much your bookcollection is worth? Do you go to a bookstore and ask someone? Do you ask an insurance appraiser?
    pixiedark76-

    See the various methods/sources listed in a few of the responses above this one. If your collection is not too big, several of us here would be happy to give you a ballpark estimate on each book if we know condition, 1st, 2nd third edition etc. We are more experts on King books though.

    If you have lots of different authors, I would search eBay completed auctions to get an idea of vale. You can almost always find a certain book on ABE (www.abe.com), but often their prices are higher than the true value.

    Does this help? If not, let me (us) know.

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    Thank you everybody for the excellent advice! This information has really helped me a lot!

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    Great info in here!

    Thanks a lot!
    John
    My Stephen King collection
    Last edited by Spaceman Spiff; 10-15-2009 at 12:25 PM. Reason: Added manual Signature

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    Default Insurance/Riders on Home Insurance

    What are people doing to their household insurance for extra insurance on their collections?
    Fire and Water are bad for books.....

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    I asked my insurance company about this, and was informed books are hard to insure as they are subject to easy damage, unlike things like guns or jewelry. So consequently, insurance coverage for fragile items such as books is very high, and most times not worth the price.
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    The Collecting Tutorials has a wealth of information.
    HOW TO: Insure Your Collectibles

    This thread will be merged soon. Thanks for refreshing the subject for our members.

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    I would recommend checking this company out, get rates, etc. before committing to a rider or personal articles floater.

    I have my collection insured with them and am very happy. I've never had a claim but I ask them a lot of questions as they occur to me and they always have a good answer. I think the rates are very hard to beat.

    http://www.collectinsure.com/

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    I asked my ins. agent about it. She didnt have much of a clue and came back at me with $15 for $500 worth of insurance... So I imagine $30 for 1k, $60 for 2k or somewhere close to that anyway. I keep my pricier ones in a safety deposit box for now.

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    Quote Originally Posted by Pasiuk57 View Post
    What are people doing to their household insurance for extra insurance on their collections?
    Fire and Water are bad for books.....
    Nothing! If my collection goes up in flames, so be it.
    After all, it's only paper.....

    sk

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    Quote Originally Posted by frik View Post
    Nothing! If my collection goes up in flames, so be it.
    After all, it's only paper.....
    Gasp! *looks around* You should be okay, I don't think anyone heard that...

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    Does anyone know how/where I can get some books appraised in Toronto? I need appraisals on some of my books before they can get insured.

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    does anyone have any recommendations for insurance in the UK?

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    Man this is help but I do not think it will help in Canada
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