I see this thread is over a year old. It took a year to get the final answer from my insurance company. A fire took 2 of my pinball machines. I had 200k in personal property insurance. These were called "collectible" by the adjuster and my total reimbursement for all collectibles was $1500.(Scared Stiff and TAF) I contacted the MN insurance commissioner and they agreed that they should be paid for based on my policy wording, but could not force the company. They fought it tooth and nail, hiring a lawyer to say the following:" More than one makes a collection", "Ebay has pinball machines under the collectible heading", "Pinball machines are collectible in nature". In short, I didn't get a dime for these machines. You can't take the agents word, my agent was on my side and he has pinball machines. He is just a salesman.