Quoted from RoyF:I'm still thinking about this whole insurance thing too. I have replacement cost on my homeowners policy, and the contents coverage would be enough to cover my pins plus all else in the home. What do I have to do to establish pin value in case a claim is needed under the contents coverage? Several of my pins are HUO, and some are full restorations. Company is Safeco if that matters, and I would be interested in hearing if others have had any claim experience with Safeco for pins under replacement cost contents coverage (not separately scheduled items). Or even Safeco if you did have the pins as separately scheduled items.
Depending on Insurer, Policy, and maybe state, you might want to get in writing your "Collection" covered under
household goods.
Ive seen some claims denied, when an insurance company requires separate scheduling of collectibles,
and deemed assets a "collection" as opposed to Household, and denied claim.
Verbal approval from an Agent is not good enough. Writing.
