10 Best Collectibles Insurance Companies

If you are a collector and have a collection that you see as priceless, you must have thought of getting insurance for your priceless collectibles. If you have, you are in the right place because I will give you details on all you need to know about collectible insurance.

In this article, we would be looking at things like what collectible insurance is, the types of collectible insurance, and the 10 best collectible insurance companies you can find and secure your collectibles with.

So, without wasting any more of your time let’s get straight to it.

What Is Collectibles Insurance?

Collectible insurance provides additional security for high-value items that may attain damage in loss, such as theft. These items are already under an insurance policy.

Collectible insurance covers items that are important and interesting and help make life a bit more enjoyable, like fine arts, musical equipment, sports memorabilia, and wine collections.

The rise in artists’ websites and online auctions has made an exploration of collections a hobby and an investment.

If you, by chance, are a collector or have some treasured pieces you keep at home, chances are your current insurance plan doesn’t cover your collections.

Not to fear, collectibles insurance is all you need to take care of and provide you with broader protection and makes protecting your collectible high priority and might also cost less than you might think.

What are the various types of Collectibles Insurance?

These are the types of collectible insurance companies that are available.

No matter what type of collection you have, there’s probably a collectibles insurance policy tailored specifically to your hobby.

Here are some examples of common types of collectibles insurance.

  • Comic book collection insurance
  • Gun collection insurance
  • Train collection insurance
  • Antique furniture collection insurance
  • Collector car insurance
  • Rare coin insurance
  • Sports memorabilia insurance
  • Glass collection insurance
  • Stamp collection insurance
  • Books and manuscripts collection insurance
  • Doll collector’s insurance
  • Records collectibles insurance
  • Video game collector’s insurance
  • Writing instruments collectors insurance

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How to Insure a Collection

Getting insurance for your collectibles is pretty straightforward. The insurance company you choose may start the process by requesting a detailed inventory of your collection with all the third-party valuations.

You will work hand in hand with the insurance company to understand the value of the collectibles and the best means to insure them.

Research shows that there are basically two ways in which you can ensure your collectibles, which are;

With your home insurance policy

Assuming you are a homeowner and already bought a homeowner insurance policy, you should pay attention to the insurance terms to see if it offers coverage for your collectibles.

If there are terms stating that your collectibles are in the coverage, you should ensure that they cover entire value of your collectibles is covered.

For more information as pertains to the insurance coverage of your collectibles, you can contact the insurance agent or insurance company to discuss the details of the policy.

Some insurance companies might offer you a rider if you need more coverage for your collection.

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Collectible insurance

If, however, your home insurance does not cover your collectibles, you can choose to get collectible insurance.

This type of insurance is specifically made to protect your collectibles in cases of losses or damages. To get yourself a collectibles insurance policy, you would need to document your collectibles and find out their worth.

If necessary, you might want to get an official appraisal of your collection if you cannot find out its worth.

Once you have all this information documented, you can then begin looking around for suitable collectible insurance that suits your needs.

Why Collectibles Insurance?

Most collectibles require special treatment like proper storage and occasional maintenance. These collectibles have more value with their condition.

The better the condition, the valuable it is. While the homeowner insurance covers damages to your home due to theft, fire, or some other unforeseen circumstance, there are limits to the reach of the policy.

Most homeowner’s insurance policies don’t extend to non-essential commodities like collectibles. A collectible is more of an investment than an item that often requires time, money, and effort to assemble and maintain.

Collectible insurance, however, cannot replace a collectible, especially in cases where the item is rare or has sentimental value; all you get is the monetary value.

Collectible insurance eliminates the worry associated with owning a collectible or having a collection.

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10 best collectibles insurance

American Collectors Insurance

American Collectors Insurance is a company by passionate collectors in 1976. It provides policy features that far exceed the industry standards.

These policy features include Inflation Guard Protection, agreed-on value coverage, and unique policy enhancements. It, however, does not cover collectibles like furniture, fine arts, or jewelry and offers no complimentary insurance product outside of collectibles.

Clients can reach American Collectors Insurance customer service by email, phone, or live chat. Members can also claim their policies online.

BHI Insurance Associates

BHI Insurance Associates has one of the best and most detailed antique insurance policies. Added to fast email support and a wide range of over 44 carriers, you can pick the best plan and terms that suit your needs.

They also offer other insurance coverage that doesn’t include just collectibles. On the flip side, BHI insurance associates do not have the strongest financial rating due to their independent broker status.

BHI Antiques Insurance is able to combine policies to ensure your antiques and collectibles received proper cover.

This insurance is one of the safest and most comprehensive insurance companies because they also cover your collection appraised value.

BHI Insurance has been in existence since 1974. It has proficiently provided a variety of personal and commercial insurance types ranging from antique insurance to other personal insurance products like a flood, auto, homeowner’s, renter’s, boat and yacht, motorcycle, motor home, jewelry, and umbrella insurance. 

Arroyo Insurance Services

Arroyo Insurance is known when it comes to insuring your Persian rugs.

This Insurance insures your Persian rugs up to the current market price and has policies in place to protect your rugs even. It covers the rug even if you loan it out.

Arroyo Insurance also offers coverage for other collectible items.

They offer personal employee benefits and life insurance. Arroyo Insurance also has a reliable insurance carrier and offers services like insuring someone else’s collectible, which you borrowed.

On the downside, there is a lot of documentation necessary when trying to claim Arroyo Insurance, and there are no online quote tools.

Arroyo Insurance has been in service since 1986 in California. They provide 24/7 customer service, internet account access, and call center support.

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Progressive Insurance

If you have an artwork collection and wonder where best to insure it, I recommend you check out Progressive Insurance company.

This Insurance protects your prized collection against theft, damage, loss, and disappearance by either getting a specific policy or by combining it with another Progressive policy for greater savings.

The added advantages of choosing Progressive Insurance are that you can add your artwork pieces to an already existing home insurance policy. They offer protection against various events and are rated A+ superior on AM Best rating.

Unfortunately, you would need a separate policy for high-value artworks pieces to cause your homeowner insurance coverage won’t be able to cover it.

The progressive Insurance company was founded in 1937 with the goal of becoming the consumers’ and agents’ number-one choice.

Progressive Insurance company currently holds an AM Best rating of A+ (Superior).

They also offer several other services like vehicle insurance, property, finance, personal insurance, and business insurance.

Collectibles Insurance Services

Collectibles Insurance offers the most comprehensive loss coverage. Their coverage encompasses situations like a loss during travel, in a storage facility, or on display at an exhibition.

Collectibles Insurance Services has rated the best company if you wish to protect your sports memorabilia. Collectibles Insurance was founded by collectors and offered no appraisal for under $25,000.

It offers collector policy deductibles as low as $0 and inflation coverage. One of the disadvantages of Collectibles Insurance is to insure an item, it has to be reported within 30 to 90 days of acquisition.

They don’t handle your inventory, meaning you have to handle it yourself and provide it during a claim. Collectibles Insurance was founded in 1966 and had policies backed by an AM Best rating of A (Excellent) in all 50 states.

You would have to purchase sports memorabilia insurance separately and not in addition to an already existing policy.

Collectibles Insurance services provide coverage against accidental breakage, burglary, fire, flood (except in zones A & V), loss in the mail, natural disasters, theft, and other causes that aren’t specifically excluded from the policy.

The Collectibles Insurance Services customer service center answers every question and takes care of claims over the phone and through email.

MiniCo Insurance Agency

MiniCo Insurance Agency offers protection for collectibles with insurance coverage for the full collectible value up to $1 million added to competitive premiums, $0 deductibles, and no required appraisal during the application process. This ranks them high when talking about value choice for collectibles insurance.

MiniCo Insurance also offers online quote tools. However, you would require an appraisal for jewelry/watch items valued at over $50,000.

MiniCo Insurance was Founded in 1974 and held the A+ (Superior) rating by AM Best.

Currently, MiniCo Insurance offers specialty and casualty insurance products for more than 100 types of collectibles in all 50 states.

You can always contact MiniCo Insurance through their online portals, phone, or by filling out a quote form on their website.

Chubb Insurance

Chubb Insurance offers its customers the freedom to adjust an insurance policy with riders to increase the policy coverage to itemized pieces.

It pays market value for the claims you make and has several online and mobile tools to enable customers to interact with them. Chubb Insurance also requires Liberal appraisal requirements. Chubb Insurance offers no online quotes.

It was founded in 1882 and operated in over 54 countries, insuring 50 states, and has a rating of A++ (Superior) from AM Best.

Chubb only requires appraisals for individual jewelry pieces valued at $100,000 or more, fine art items valued at $250,000 or more, and collectibles valued at $50,000 or more. 

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The company just needs a detailed description and estimated value outside of those three parameters.

Members can file for claims at any time and receive a response within six hours. You also get access to all claims and updates online. Claim payments are made within 48 hours after an agreed settlement. 

This is one of the best collectibles Insurance Companies.

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AKKO Insurance

AKKO insurance was founded in 2019 and initially only offered coverage for college students, but now it offers coverage for anything electronics, phones included for anybody.

It has no hidden fees, no restrictions on the age of your items or pre-ownership exclusions, and a quick turnaround process for reimbursements.

One of the advantages AKKO insurance has over other collectible insurance claims is that it offers a plan with 1 flat fee with unlimited claims. Unlike some other collections’ insurance plans, AKKO offers a plan with 1 flat fee with unlimited claims.

AKKO insurance offers phone insurance in addition to free coverage for up to 25 of your personal items.

AKKO insurance also insures other items like electronics, clothing, and tons of other important stuff and offers student discounts.

BriteCo Insurance 

BriteCo insurance is an insurance tech company that provides one of the best jewelry and watches insurance.

They have offers designed to be both preventive and protective in cases of damages. BriteCo insurance preventive maintenance coverage covers from prong re-tipping clasp replacements to stone tightening to prevent serious damage to the jewelry items.

BriteCo insurance policies offer worldwide coverage and insure jewelry in cases of damage, loss, theft, and mysterious disappearances.

It offers an easy application process and zero deductible on its policies.

AAA insurance

The AAA company was launched in 1900 by automobile enthusiasts. AAA is also known as The American Automobile Association is one of the reputable and well-established insurance companies in the US.

AAA insurance started its journey as an auto insurance company. It gradually expanded into homeowner insurance, life insurance, business insurance, and other insurance spheres, including collectibles insurance.

It covers over 1,000 localized clubs across North America but offers homeowner insurance in only a few states. AAA insurance is known for its competitive policies and remarkable discounts. 

The collectibles insurance policy protects your jewelry, watches, and pricey collectibles. However, most of these items have a coverage limit. 

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Frequently asked questions

Does homeowner’s insurance cover collectibles?

Some homeowner’s insurance policies cover collectibles. Some might require you to add a rider to your policy for collectibles coverage.

Does renter’s insurance cover collectibles?

Just like the homeowner’s insurance, renter’s insurance offers coverage for collectibles to an extent.

Can you insure an NFT?

Currently, there are no policies in place for insuring non-fungible tokens (NFT.)


All your collectibles can be secured and protected with the above-listed insurance companies all that’s left is to choose the one best suited for the collectible which you wish to insure and you are well on your way to protecting all your priced and valued collectibles.



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