Where to get the Best Comic Insurance? 1 1

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I initially stared with USAA who is partnered with American Collector's Insurance (www.americancollectors.com). Unfortunately, American Collectors says they only insure graded comics (PGX, CGC, CBCS). I knew something was off when the rep said, "A comic that is valued at over $10,000? I don't know if we can insure that." Followed by, "Yah, we insure all kinds of collectibles, but mostly cars." Keep in mind, the business name is "American Collector's Insurance".

Next I found Collectibles Insurance Services (CIS). They required a photo of all comics valued over $2,000.

A $100,000 policy starts at $560/year, but as you fill out the paper work and select options: home alarm system, storage, smoke detectors, theft, shipping, etc, it can add up to $800/year. A $200,000 policy runs a little over $1,200/year. The quickest way to reduce the annual payment is to remove "theft" from the policy. If I recall, it dropped the price by at least 30%. Within the legalese, it states they check your credit and insurance claims. So this may play a part in pricing as well.