Whats up man
I am looking to insure my things also and I will like to see anyones opinions. And if you didnt see check out what iw as able to finally pickup recently. I paid $74.99 DLVD which was almsot full BV but I have bid on a couple of these over the years and have always missed out so I hit the buy it now quickly.
What happened was he wanted immediate payment and i didnt have the funds in my Pay-Pal at the moment and needed a day or 2 to get them so I made an offer of $65.00 and wrote letting him know if I had 2-3 days to come up with funds that I would pay the full price so he countered with $74.99 and said 2-3 days was fine and I accepted. Its the only one I have ever seen graded although i am sure there are more graded ones out there I do know BGS has not graded any which suprised me.
I never looked at that collectibles company, But I did speak with my insurance agent when we bought our house about collectibles insurance. If I remember correctly he said that standard homeowners would cover a collection up to a certain amount, 10,000$ is stuck in my head, but I am not sure if I am remebering that correctly. As longg as you could prove you owned the cards and they were in the house. Luckily for us a decent amount of our collections are scanned in photobucket, plus I have the hard copies of scanned cards on 2 seperate computers and backed up on disc. Ialso have pictures of my card closet with my scans so I can Prove that the cards are in the home.
I was asking him about a higher dollar amount and he said we would have to pick up a seperate Rider for the entire collection value as a whole (replacement value) but I estimated 25,000 to see what the cost was and it was going to cost nearly as much as my homeowners insurance for the year on a seperate rider.
Nick - The link I posted in the OP has an option to get a estimate. For $50,000 in coverage it would cost you $248.00 per year. Doesn't seem to be to bad to be honest. From some of the prices I heard on the special riders you mentioned, it seems like a great deal.