What's collectibles insurance?

When you've spent time, effort and money to build your collection, you want it to be protected. A house fire or a natural disaster can wipe out your investment in an instant. We can help you get coverage with American Collectors Insurance through the USAA Insurance Agency.

What kinds of collections qualify?

The following types of collections and many more may be covered:

Military memorabilia

  • Medals and decorations, such as ribbons, pins and patches
  • Uniforms and historical helmets
  • Weapons, such as rifles, pistols and sabers

Vintage dolls, action figures and bears

  • Barbie® and Madame Alexander®
  • G.I. Joe® and Star Wars®
  • Boyds Bears and Steiff

Model trains

  • Lionel®
  • MTH Electric Trains®

Wine

  • Rare
  • Vintage

Christmas collectibles

  • Department 56®
  • Christopher Radko®
  • Thomas Kinkade, the Painter of Light™

Stamps and coins

  • Collectible U.S. and foreign stamps
  • Modern, ancient and commemorative coins

Fine crystal

  • Waterford®

Figurines

  • M.I. Hummel®
  • Precious Moments®
  • Lladró®

Sports memorabilia

  • Signed balls and jerseys
  • Game-worn memorabilia
  • Trading cards

Movies, animation and advertising memorabilia

  • Posters, action figures and costumes
  • Disney® and Warner Bros.®
  • Antique signs, tins and trays

Military memorabilia

  • Medals and decorations, such as ribbons, pins and patches
  • Uniforms and historical helmets
  • Weapons, such as rifles, pistols and sabers

Stamps and coins

  • Collectible U.S. and foreign stamps
  • Modern, ancient and commemorative coins

Vintage dolls, action figures and bears

  • Barbie® and Madame Alexander®
  • G.I. Joe® and Star Wars®
  • Boyds Bears and Steiff

Fine crystal

  • Waterford®

Figurines

  • M.I. Hummel®
  • Precious Moments®
  • Lladró®

Model trains

  • Lionel®
  • MTH Electric Trains®

Sports memorabilia

  • Signed balls and jerseys
  • Game-worn memorabilia
  • Trading cards

Wine

  • Rare
  • Vintage

Christmas collectibles

  • Department 56®
  • Christopher Radko®
  • Thomas Kinkade, the Painter of Light™

Movies, animation and advertising memorabilia

  • Posters, action figures and costumes
  • Disney® and Warner Bros.®
  • Antique signs, tins and trays

Your special collections may need special coverage.

Your homeowners policy may not protect all your special items. Get coverage for the things you value most.

  • Agreed-Value Coverage
    Covers your collection for its full insured value, without depreciation.

  • Broad Protection
    Includes damage caused by accidental breakage, fire, flood, theft, hurricane, earthquake and more.

  • Inflation Guard
    Automatically increases items valued over $2,000 by 2% quarterly, up to 8% yearly.See note1

  • Automatic Coverage
    Any qualifying newly acquired items are automatically covered for 30 days up to $2,000 in total for all newly acquired items.

Collectibles insurance FAQ

If it's worth collecting, it's worth protecting. With agreed-value coverage, you'll receive the value of your collectibles minus any applicable deductible in case of covered theft or damage.See note2See Note

An agreed-value collectibles policy insures your collectibles for their market value at the time you purchase the policy. Market value is based on established industry guides, the condition and rarity of the items, and any special features.

If you insure your collection with a standard personal property policy, you'd likely receive only the cost to repair or replace the item minus your deductible.

For example, if you insure your model train collection and layout for agreed-value coverage of $30,000 and a house fire destroys them, you'd get $30,000 minus your deductible. If you insure the same collection under a standard property policy, you may possibly receive the cost to replace your vintage train collection with a new train collection minus your deductible. The amount to replace a new version of your vintage train collection would likely be significantly less than you'd receive with agreed-value.See note3

Other coverage you may need

More collectibles information

Have questions? To speak with a specialist at American Collectors Insurance, our trusted carrier for more than 30 years, call 866-919-9758.